vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Levy & Associates, LLC
State: OH

Complaint narrative:
I am writing to dispute the validity of the debt referenced in your recent correspondence as well as the attempted garnishment of my wages. According to your letter, the debt pertains to an individual named XXXX XXXX. However, it is imperative to clarify that I am XXXX XXXX, and I have never incurred the alleged debt nor authorized any individual to use my personal information for such purposes. 

It has come to my attention that my identity has been unlawfully utilized by an unknown party without my consent, resulting in this erroneous attempt to garnish my wages. As a victim of identity theft, I am taking immediate action to rectify this matter and protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: TX

Complaint narrative:
I have several listed accounts that appear as late when indeed they are not. I reconfirmed this with an official TRANSUNION credit report and they verified as late going from current to 60 days late within a 30 day window, I've contacted TRANSUNION several times with a 2 year time frame with this complaint of these incorrect accounts statuses and have seen no adjustments. According to law 15 U.S. Code1691i- Procedure in a case of disputed accuracy. If the completeness or accuracy of any item ( s ) of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item ( s ) from the file in accordance to paragraph ( 5 ) The accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ACCOUNTS ARE INACCURATE GOING FROM CURRENT TO 60 DAYS LATE IN ( 1 ) MONTH IM WHICH IS IMPOSSIBLE AND ITS Breaking The LAW UNDER FCRA.

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 2024-03-22 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: TX

Complaint narrative:
15USC 1681 SECTION 604 THESE INQUIRES WERE DISPUTED AND REMOVED LAST YEAR AS RESULT OF A FRAUD AND IM NOT SURE WHY THEY ARE ON MY REPORT. I KNOW THIS LAW PROTECTS ME FROM THESE INQUIRIES BEING ON MY CONSUMER REPORT BEING THEY ARE NOT CONNECTED TO AN ACCOUNT WITH ANY EXTENSION OF CREDIT. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: TX

Complaint narrative:
15USC 1681 SECTION 604 THESE INQUIRES WERE DISPUTED AND REMOVED LAST YEAR AS RESULT OF A FRAUD AND IM NOT SURE WHY THEY ARE ON MY REPORT. I KNOW THIS LAW PROTECTS ME FROM THESE INQUIRIES BEING ON MY CONSUMER REPORT BEING THEY ARE NOT CONNECTED TO AN ACCOUNT WITH ANY EXTENSION OF CREDIT. 

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 2024-03-22 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Experian has violated my federally protected consumer rights with the below negative accounts. 15 US Code 1681 states I have the right to privacy and confidentiality and that a consumer reporting agency can not furnish an account without my written permission or instructions. 

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 2024-03-22 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: Financial Accounts Service Team Inc.
State: GA

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account Name : FIN AACCTS SV Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This Complaint is against Wells Fargo Bank for allowing Fraudulent Transactions in my account, after I had everything put in place due to identity theft, to prevent this- specifically accounts disabled and deactivated. ( 86 ) unpaid Fraudulent Transactions remain, and due to the # of Fraudulent Transactions, they will be listed on several complaints. Too extensive to be listed on ( 1 ) Complaint. Total Amount due ; {$8800.00} -- ( 86 ) Fraudulent Transactions. 
As Follows. In Order. 

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 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 monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: MORGAN STANLEY & CO. LLC
State: FL

Complaint narrative:
Around XX/XX/XXXX i communicated with Morgan Stanlay shareworks platform regarding my stocks sold in 2023 for my taxes, i sold stocks 3 times and in my 1099 was showing up an amount higher on each transaction for example it was saying XXXX usd and i received XXXX usd etc. So i told them that they needed to provide me with an updated 1099-b because it wasnt matching the amount of money that i received on my bank account and they also have that amount on the activities so it was just a mismatch on the 1099-b i keep calling them every week and nothing happens so im almost late to file my taxes, i have my w2 and everything ready just waiting for them to file taxes. During the process with a CS person we realized based on the exchangerates.org.uk they used the wrong exchange rate, exchange rate was XXXX and XXXX basically during the whole month of XXXX for example and they used XXXX like that for all my transactions they are using the wrong exchange rates and on top of that on the sell to cover transactions to keep it on their nominee account it doesnt even show the exchange rate used, so they are lacking a lot of transparency, i asked to file a complaint and they didnt acknowledged it, they closed my complaint the XXXX person told me because it was related to tax team so complaint team disregarded my complaint, so its been really frustrating and I cant anymore, they are not following the regulators rule, they dont care about complaints or responses, if i file my taxes or not and they are not even paying me what they owe me! I want them to Transfer me the money im being owed due the wrong exchange rates conversion used and a fixed 1099-b so i can file my taxes and i have just 3 weeks for it, so i need it done NOW, they have been on my case since XX/XX/XXXX so basically 2 months and its unacceptable, they provided a horrible service and customer experience so i want my money, my 1099-b and file my taxes without getting a penalty fee

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: VA

Complaint narrative:
I am formally demanding for the LAST time that the proper update be made to this account on ALL consumer reporting agencies as PAID IN FULL AND NEVER LATE. XXXX XXXX XXXX XXXX XXXX is insured by the XXXX XXXX XXXX XXXX ( XXXX ) and ALL accounts are backed up to {$250000.00}. Furthermore, this account is listed as a CHARGE OFF which is a certificate of indebtedness and is actually considered an INCOME per IRS publication XXXX XXXX XXXXIRS website : Canceled debt. If the abandoned property secures a debt for which you are personally liable and the debt is canceled, you will realize ordinary income equal to the canceled debt. This income is separate from any amount realized from abandonment of the property. You must report this income on your return unless one of the exceptions or exclusions described in XXXX XXXX  applies. **** During dispute of this debt, I was not given proper validation even after contacting the furnisher on multiple attempts. My consumer reports NEVER showed the account was in dispute or removed within the proper time frame, even after all documentation was sent to proper parties. 

Violations listed under the FDCPA and FCRA : 15 U.S. Code 1681c-2 ( a ) 15 U.S. Code 1681c-2 ( b ) 15 U.S. Code 1681e ( b ) 15 U.S. Code 1692e ( 2 ) ( A ) 15 U.S. Code 1692j ( a ) 15 U.S. Code 1692d ( 1 ) 15 U.S. Code 1692b ( 2 ) 15 U.S. Code 1666d ( c ) 15 U.S. Code 1681 ( h ) ( d ) 15 U.S. Code 1681m ( a ) ( 4 ) ( b ) 15 U.S. Code 1681m ( b ) ( ( 2 ) ( c ) ( ii ) 15 U.S. Code 1681m ( d ) ( 1 ) ( d ) 15 U.S. Code 1681m ( d ) ( 4 ) 15 U.S. Code 1681m ( e ) ( 1 ) 15 U.S. Code 1681m ( e ) ( 2 ) ( b ) 15 U.S. Code 1681m ( e ) ( 4 ) ( ii ) 15 U.S. Code 1681m ( f ) ( 1 ) 15 U.S. Code 1692g If the matter is not solved within 5 business days I will be filing arbitration/small claims court for all parties involved.

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 2024-03-22 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am formally demanding for the LAST time that the proper update be made to this account on ALL consumer reporting agencies as PAID IN FULL AND NEVER LATE. XXXX XXXX XXXX XXXX XXXX is insured by the XXXX XXXX XXXX XXXX ( XXXX ) and ALL accounts are backed up to {$250000.00}. Furthermore, this account is listed as a CHARGE OFF which is a certificate of indebtedness and is actually considered an INCOME per IRS publication XXXXXXXX XXXX XXXXIRS website : Canceled debt. If the abandoned property secures a debt for which you are personally liable and the debt is canceled, you will realize ordinary income equal to the canceled debt. This income is separate from any amount realized from abandonment of the property. You must report this income on your return unless one of the exceptions or exclusions described in XXXX  XXXX applies. **** During dispute of this debt, I was not given proper validation even after contacting the furnisher on multiple attempts. My consumer reports NEVER showed the account was in dispute or removed within the proper time frame, even after all documentation was sent to proper parties. 

Violations listed under the FDCPA and FCRA : 15 U.S. Code 1681c-2 ( a ) 15 U.S. Code 1681c-2 ( b ) 15 U.S. Code 1681e ( b ) 15 U.S. Code 1692e ( 2 ) ( A ) 15 U.S. Code 1692j ( a ) 15 U.S. Code 1692d ( 1 ) 15 U.S. Code 1692b ( 2 ) 15 U.S. Code 1666d ( c ) 15 U.S. Code 1681 ( h ) ( d ) 15 U.S. Code 1681m ( a ) ( 4 ) ( b ) 15 U.S. Code 1681m ( b ) ( ( 2 ) ( c ) ( ii ) 15 U.S. Code 1681m ( d ) ( 1 ) ( d ) 15 U.S. Code 1681m ( d ) ( 4 ) 15 U.S. Code 1681m ( e ) ( 1 ) 15 U.S. Code 1681m ( e ) ( 2 ) ( b ) 15 U.S. Code 1681m ( e ) ( 4 ) ( ii ) 15 U.S. Code 1681m ( f ) ( 1 ) 15 U.S. Code 1692g If the matter is not solved within 5 business days I will be filing arbitration/small claims court for all parties involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am formally demanding for the LAST time that the proper update be made to this account on ALL consumer reporting agencies as PAID IN FULL AND NEVER LATE. XXXX XXXX XXXX XXXX XXXX is insured by the XXXX XXXX XXXX XXXX ( XXXX ) and ALL accounts are backed up to {$250000.00}. Furthermore, this account is listed as a CHARGE OFF which is a certificate of indebtedness and is actually considered an INCOME per IRS publication XXXX XXXX XXXXIRS website : Canceled debt. If the abandoned property secures a debt for which you are personally liable and the debt is canceled, you will realize ordinary income equal to the canceled debt. This income is separate from any amount realized from abandonment of the property. You must report this income on your return unless one of the exceptions or exclusions described in XXXX XXXX  applies. **** During dispute of this debt, I was not given proper validation even after contacting the furnisher on multiple attempts. My consumer reports NEVER showed the account was in dispute or removed within the proper time frame, even after all documentation was sent to proper parties. 

Violations listed under the FDCPA and FCRA : 15 U.S. Code 1681c-2 ( a ) 15 U.S. Code 1681c-2 ( b ) 15 U.S. Code 1681e ( b ) 15 U.S. Code 1692e ( 2 ) ( A ) 15 U.S. Code 1692j ( a ) 15 U.S. Code 1692d ( 1 ) 15 U.S. Code 1692b ( 2 ) 15 U.S. Code 1666d ( c ) 15 U.S. Code 1681 ( h ) ( d ) 15 U.S. Code 1681m ( a ) ( 4 ) ( b ) 15 U.S. Code 1681m ( b ) ( ( 2 ) ( c ) ( ii ) 15 U.S. Code 1681m ( d ) ( 1 ) ( d ) 15 U.S. Code 1681m ( d ) ( 4 ) 15 U.S. Code 1681m ( e ) ( 1 ) 15 U.S. Code 1681m ( e ) ( 2 ) ( b ) 15 U.S. Code 1681m ( e ) ( 4 ) ( ii ) 15 U.S. Code 1681m ( f ) ( 1 ) 15 U.S. Code 1692g If the matter is not solved within 5 business days I will be filing arbitration/small claims court for all parties involved.

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 2024-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
XXXX XXXX, XXXX uses PayPal as its credit card processor. PayPay froze our account for review/investigation on or about XX/XX/year>. Their website, as stated below, says they are supposed to contact us with further info within 5 days. We have called several times to find out what the issue is and when the account will be reactivated, but no one will tell us anything. 

Reference ID : XXXX Were reviewing your information and will get back to you regarding the status of Ref ID : XXXX within 5 days

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : LOCKHART MORRIS MONTGOMERY Account number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief