vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-18 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: CA

Complaint narrative:
I am a victim of Identity Theft and Inaccurate information reported by TransUnion. After reviewing my credit reports with TransUnion. I noticed a Fraudulent account that are being reported twice by the same data furnisher XXXX XXXX and XXXX XXXX different accounts XXXX and Account t XXXX for the amount of {$25000.00}. This is inaccurate information due to duplicate reporting. This in issue of material fact. There is no doubt that evidence is sufficient and is a genuine is of material fact must be resolved against TransUnion. Lawrence v. Kenosha County, 391 F.3d837, 481 ( 7th Cir.2004 ). Please remove these items. Congress enacted the FCRA to protect consumer ensuring fair and accurate credit Reporting 15 U.S.C 168 ( a ) ( 1 ). Entities that report information about consumers to credit reporting agencies are called Data furnishers from reporting inaccurate information to CRAs 15 U.S.C 1681s-2 ( a ) -1681s-2 ( Westra v. Credit Contral of Pinellas, 409 F.3d 825.837 ( 7th Cir.2005 )

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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
XXXX  report an inquiry in my credit report from XX/XX/year> by XXXX XXXX XXXX. I have no knowledge of authorizing this inquiry, neither or have an account with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: EQUIFAX, INC.
State: RI

Complaint narrative:
XXXX  report an inquiry in my credit report from XX/XX/year> by XXXX XXXX XXXX. I have no knowledge of authorizing this inquiry, neither or have an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Self Financial Inc.
State: PA

Complaint narrative:
My Self.inc credit card account was closed years ago ( around XXXX or XXXX ), but I repeatedly get contacted by them stating that my balance is overdue, due soon, etc. 

I contacted them 3-5 times over the years, they always tell me they will investigate this but I am still getting contacted. I told them that this feels like harassment but they still will not correct this issue. 

I am afraid to check my email in public or at work because of people shoulder surfing, specifically emails about " overdue bills '' from my non-existing account. 

This needs to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: RI

Complaint narrative:
Experian  is being reporting an inquiry from XXXX XXXX  XXXX XX/XX/year>. I have no business with this company or authorizes this company to do so.

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 2024-02-18 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: MI

Complaint narrative:
REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES. 
XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XX/XX/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 2024-02-18 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: MI

Complaint narrative:
REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES. 
XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XX/XX/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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Grow Credit Inc
State: CA

Complaint narrative:
I contacted Grow Credit , IncXXXX in XX/XX/2024 in an attempt to resolve a balance of {$28.00} showing on my credit report. Although I did not recognize this account debt or lender, I was willing to pay the {$28.00} to resolve it from my credit report. The associates I spoke with several times stated that this account has been charged off and there is no way for me to make a payment to them or any third party for the debt to be removed from my credit report. They stated the account has been closed and can't be reopened and there is no way for this situation to be resolved. When I disputed this account stating that I don't recognize it, they fought it and refused to allow it to be removed. In essence, they are holding my credit report XXXX, by reporting the account as open, past due, charged off, and not allowing me to make a payment to resolve the account even though I don't claim ownership or responsibility. It is completely unfair that I would have to let this negative mark appear on my report and not be allowed to seek recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/XXXX my debt was paid to Midland Credit Management. They advised once i paid my collection I would receive a release letter as a pay to delete and that it was my responsibility to call one of the Credit Beureus and advise that I paid my Commenity Petland account to Midland Credit. Ive done so both by phone call XX/XX/XXXX and by several disputes through XXXX and XXXX XXXX. My payment /rating still appears as Charged off and or changes to purchased by another lender I understand the standard 7 year rule but Again I was told to pay these guys and it has not been deleted or even updated on my Credit Report. I have submitted all documents to XXXX  and there are zero changes to my pay status on this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
I am writing to seek your assistance regarding a financial transaction that has remained unresolved for an extended period. This issue involves a transfer of funds between Wells Fargo and XXXX XXXX, which has been pending since XX/XX/year>. Transaction Details : Sender 's Bank : Wells Fargo Recipient 's Bank : XXXX XXXX  Amount : {$1000.00} USD Date of Transaction : XX/XX/year> Confirmation Number : XXXX The transaction was initiated by XXXX XXXX XXXX : XXXX, who is a customer of Wells Fargo, intending to transfer {$1000.00} to my account at XXXX XXXX. Despite the lapse of a considerable time since the initiation date, the status of this transaction remains 'pending. ' As a result, the funds have not been credited to my account.

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 2024-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alorica Inc.
State: AL

Complaint narrative:
My debt was originally with XXXX but sold to SST around XX/XX/XXXX. I received {$1500.00}. I made payments starting XXXX of XXXX of {$98.00} a pay period every XXXX weeks. When I request this information from SST of my payment history they failed to do so. The correct amount of payments are not being reported to the credit bureau. I recently received a letter stating that I owe {$210.00} but the credit report States I owe {$2700.00} some odd dollars. I have only received {$1500.00} from the original owner. SST has called me and threatened to sue me send an attorney to my home and have me arrested in the past, but when I disputed the charge with the credit bureau all of a sudden as of XX/XX/XXXX the debt has been charged off. I recently received the amount owed is {$210.00} from XXXX XXXX XXXX XXXX regarding this debt. The original loan was supposed to be a savings account in the end but after I paid what I borrowed I stopped the payments due to the fact that the rest of the money was supposed to go into my account as a savings I choose to not do that. But they say that I'm still obligated to pay the entire {$4000.00} plus interest. Help. This is on my credit report as a negative for money that I won't pay to go into my own savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: RI

Complaint narrative:
Experian report an inquiry XX/XX/2024 by XXXX XXXX XXXX. I have no business with this bank.

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 2024-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/scrub> 2023, I received a payday deposit from my employer. I tried to use my card and it was declined. I opened my app and saw a message that my funds were not available for withdrawal. They provided a phone number to call and I called. They advised me that they would be ending the banking relationship with me. I asked why and their response was that there was an ongoing investigation. I asked to escalate so that someone could give me more information and more reasons why. A manager called me back and offered no more information. My funds still arent available.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: OH

Complaint narrative:
I feel that cashapp takes money and can not show proof as to where it goes. I added {$20.00} to cashapp yesterday around XXXX. It brought my account to XXXX. I made a purchase for gas at XXXX for XXXX. This morning my friend sent me {$20.00}. I didnt appear. They said that XXXX XXXX didnt charge at that time and that the {$20.00} I originally added went back into my account and XXXX XXXX  charged me later causing my account to go negative. However there is no way this could have happened. No other transactions took place. They cant tell me where that original {$20.00} went as there are no other transactions. So they took my money and wont give it back. This has happened on several occasions and I have all the screenshots and proof that none of it added up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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 provided my identity theft and Police report on numerous occasions to Experian. I have called and submitted numerous disputes against these false and inaccurate statements that Experian, XXXX and XXXX are reporting about me. They are intentionally misleading and lying about me and who I am. 
Experian is not following the law and taking in to consideration what I am providing. They are only using the creditors information despite me providing proof that it is incorrect. Since Experian repeatedly allows it. They need to send me the proof that these accounts are mine. They need to send me what the creditors submitted that Experian reviewed. Experian has told me that as long as the creditor says it is my account. It does not matter what I provide. I have this in XXXX separate recorded conversations with Experian. 
This is against the law. Experian does not show any regard for the law and continue to attack my character.

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 2024-02-18 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: MI

Complaint narrative:
REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES. 
EQUIFAX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IA

Complaint narrative:
I went to transfer my XXXX  to a XXXX XXXX  and Coinbase refused to allow me to send my XXXX  anywhere. They said I could sell it and transfer money, but I am not allowed to transfer it. I have requested information as to why and the only answer I get is that I am unable to because of security reasons. I ask to speak to a supervisor and they say no due to security reasons.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX my debt was paid to XXXX XXXX XXXX. They advised once i paid my collection I would receive a release letter as a pay to delete and that it was my responsibility to call XXXX of the Credit Beureus and advise that I paid my Commenity XXXX  account to XXXX XXXX. Ive done so both by phone call XX/XX/XXXX and by several disputes through XXXX and XXXX XXXX. My payment /rating still appears as Charged off and or changes to purchased by another lender I understand the standard XXXX year rule but Again I was told to pay these guys and it has not been deleted or even updated on my Credit Report. I have submitted all documents to XXXX  and there are XXXX changes to my pay status on this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: AL

Complaint narrative:
I noticed that this company kept coming up on just 1of my reports and I didn't recognize them so I disputed the charge but they stayed on there so I researched and they claim that I owe XXXX  XXXX XXXX so I called XXXX and got a paper bill which shows that I have a XXXX balance and I am caught up and current. They insist that I still owe them, so I called them and told them they're wrong, they said they would investigate and after going over the information they have the wrong account and wrong name, well they're still on my credit report for XXXX but not the other 2 which they never were. I have disputed it but they insist I owe, I have sent a copy of my XXXX bill plus talked to XXXX  and XXXX  says they show that I have never been late with a payment and don't know what mrsbpo is talking about. I called them again and sent them my proof that they are wrong and they added XXXX to what they say I owe. They're costing me money, they have cost me so much, I can't get a loan, car, job, furniture, so much. They continue to cost me money and they know that they are wrong! Now they won't talk to me or even acknowledge me once they find out my name they hang up. My name is XXXX XXXX and my name is popular. But I have provided proof that they have the wrong account number and address and they even have the wrong date. I do not owe anyone anything, I have XXXX debt, I own my cars, my house, and I pay all my bills on time and in full, I always have. The company is MRSBPO debt collector. I don't know what else to do.

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 2024-02-18 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: GA

Complaint narrative:
I WENT IN TO BUY A CAR WHEN I WAS ALREADY PREAPPROVED AND THEY RAN MY CREDIT WITH OTHER DIFFERENT COMPANIES WITHOUT MY CONSENT. THE COMPANIES ARE LISTED BELOW. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-18 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: Marlette Funding, LLC
State: FL

Complaint narrative:
I have contacted Bestegg Credit card account about an account that appears on my credit report thats not mine and has me as an authorized user. I never applied for this account and instructed them to take me out of their system and remove it from my credit report.

Bestegg responded back stating that the account is verified and is accurate and it belongs to me individually and will not remove it. I requested a debt validation and a copy of the application submitted to obtain the credit card but never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
I am writing to express my strong dissatisfaction with the inaccurate reporting of the collection account, originally held by XXXX XXXX XXXX and now managed by your agency, on my credit reports. The reporting inaccuracies are a clear violation of consumer protection laws, and I demand the immediate removal of the account from all credit reporting agencies.

Details of the account are as follows : Account Holder : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Current Status : Open [ This is the reporting error ] Reporting Error and Violation : Open Status Inconsistency : The account is incorrectly reported as " Open. '' This is a serious reporting error as the account is currently in collection status and should not be listed aXXXX XXXX XXXX XXXX Consumer Protection Laws Violated : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : The FCRA mandates accurate and fair reporting of consumer credit information. Reporting an account with a status of " Open '' when it is in collections violates the accuracy requirement.

Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692e : Misrepresenting the status of a debt is a violation of the FDCPA. Reporting an account as " Open '' misleads consumers and misrepresents the actual status of the debt.

Immediate Action Requested : I am formally demanding the immediate removal of this inaccurate collection account from all credit reporting agencies. Failure to comply with this demand within the statutory XXXXy period will compel me to take further legal action to protect my rights under the aforementioned consumer protection laws.

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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