vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-26 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-06-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 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 have disputed several hard inquiries found on my credit report. XXXX has investigated these inquiries and found them to be incorrect and deleted them immediately. Transunion has failed 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 explanation
Consumer complaint received 2023-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-06-26 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: DE

Complaint narrative:
4. Third Party Supplemental Information ; Supplemental Consumer Credit Information ; XXXX  Teletrack  ( XXXX XXXX XXXX, XXXX, Georgia XXXX ) ( XXXX ) Requested by XXXX  XXXX XXXX on XX/XX/2017 I never applied for a loan. Called the company and was never able to resolve the issue. They were rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings
State: TX

Complaint narrative:
I had a lady from IQ data international call my Extention at work she identified XXXX XXXX her self as a debt collector. She started off very rude. I told her to not call my job she told me I dont have the right to tell her that. I said I do. Then 2 days later she called back impersonating my mother who has been dead since 2011. Just to get me on the phone. I had already told her not to call my work and she did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American express has been posting wrong charges on my account since XX/XX/XXXX, and I have contacted them 4 times, they refused to issue refund and accuse me of being wrong. They wasted lots of my time and the issue is still not resolved. 

Here is a list of charges with date and amount : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/23 I received a notification that my XXXX account had been hacked. I did a web search for a phone number for XXXX and made the call. I spoke with someone who had my XXXX information and they confirmed that yes I had been hacked. I was told not to worry that they would be able to fix the problem. They explained that someone had made 4 purchases in marketplace on XXXX, the amounts were in the amount of $ XXXX {$490.00}. They gave me an email address and began to instruct me on using XXXX to have the charges reversed back to my account. I followed the steps as they directed and made the money transfers and ask the question how was this going to get my money back, they said once the transactions were completed the funds would be immediately returned to my account. I finished the call and checked my bank account and {$2000.00} was gone. Immediately I thought oh no, Ive been scammed! I called Wells Fargo immediately and filed a fraud report. The banker that I spoke with stated this happens all the time. He took my information and I asked how long would it be before I would get my money back. He informed me that while they were investigating the case that provisional funds would be added to my account while they investigated. The next day I need to use my account and provisional funds were added back to my account. On XX/XX/23 I received a call from Wells Fargo and was told that Visa had reached a decision in my case, and they would be reversing the provisional funds from my account on XX/XX/23. I asked how this could be, isnt Wells Fargo insured? In the past have received notification if they see suspicious activity on my account that never happened in this case. 4 charges of {$500.00} back to back didnt look suspicious to Wells Fargo enough to send me a text or a call! This was a scam. I realize that I did give the people that I spoke with information. Thats what a scam is. I dont understand why Wells Fargo would let one of their longtime customers just eat the cost of a scam. I understand I need to be responsible with my own money, but there were too many red flags for Wells Fargo not to catch it. I was robbed and Wells Fargo is going to just let it happen.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS
State: GA

Complaint narrative:
Since XX/XX/2023, I've sent several letters to Lexis Nexis about how they could report the following Bankruptcy XXXX XXXX  case number XXXX and the source where they received the information so I could contact them directly. I researched and discovered that the US Bankruptcy Court GA XXXX does not report to any third-party Credit Reporting agencies XXXX I still demand all of the verifiable proof, such as the original instrument containing my signature, Pay-off, Interest Rate, Discloser, Balance and Payment History that they have listed for the following Bankruptcy XXXX XXXX case number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have sent this Resurgent Capital Services c/o LVNV Funding , LLC XXXX letters asking to verify this debt. They sent back a statement which does not validate the account. I requested 'I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount for the above XXXX accounts. 

Also they updated credit report with comments saying I disputed this account when I have only ask them to Validate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Notice to agent is notice to principal, notice to principal is notice to Agent. 

I was looking over my credit reports the other day and noticed an account on my reports from Comenity Capital BankXXXX XXXX account number XXXX XXXXXXXX, reporting late payments. I am 100 % certain that Ive never received any goods, services, or money from this company, nor have I ever done any business with the company. I have reached out to Comenity Capital BankXXXX on numerous occasions and was informed that an investigation was completed, and the account was closed as erroneous as of XX/XX/2022. I am confused as to how this company is now reporting past due/late payments on my credit reports. From what I know of the law, only a contract/signed agreement between Comenity Capital BankXXXX and myself would make me legally bonded to any debt that they are alleging. An agreement with XXXX XXXX XXXX XXXX in XXXX, XXXX was cancelled within their 3-day grace period, therefore, there should be no monetary charges from Comenity Capital Bank XXXX 

If Comenity Capital BankXXXX had sent me a Debt Validation Notice as they are lawfully required to per FCRA ; I would have been able to dispute this account long BEFORE they unlawfully caused considerable damage to my credit reports. I humbly request that Comenity Capital BankXXXX remove this erroneous account from my credit reports and cease any further collection efforts. Please consider this letter a demand to cease and desist as well as a notice of unlawful conduct of failure to distribute proper notice. 

Respectfully,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 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: LEXISNEXIS
State: AL

Complaint narrative:
I HAVE PREVIOUSLY DISPUTED ( XXXX XXXX XXXX XXXX ) WITH YOU, AND IN RESPONSE, YOU VERIFIED THE ITEM AS ACCURATE STATED THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. 

I CONTACTED THE COURT AND THERE RESPONSE IS ENCLOSED. 

IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER, THEREFORE, YOUR INITIAL RESPONSE VERIYFING THE ITEM WITH THE COURT WAS EITHER A ERROR OR A LIE. 

EITHER WAY THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY. ALSO THE ADDRESS THAT IS ATTACH TO THIS IS INCORRECT DOES NOT BELONG TO ME ALSOMUST BE DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: CA

Complaint narrative:
So I paid off my XXXX XXXX XXXX credit card nd they promised wen I was making last payment tht they will send me a paper nd also to credit agency nd have it remove off my credit so it wnt affect it its still there I tried reaching them many times they didn't respond nd credit wnt fix it they said XXXX XXXX XXXX says it's current I paid off discover card nd same thing was told to me I made full payment of wat i owe as I lost my job due to covid nd had injury nd health issue but as soon I got money I paid off they promised to remove the bad credit late payment off my credit nd same they didnt rhey didnt remove it it's still showing nd affecting my credit I opened a account with XXXX XXXX XXXX nd I couldn't even make it wrk it didn't let me do nothing I never got the credit card I told them nd they said they will fix it nd send me another card i requested for account to be close becauz I couldn't use it nd it was just affecting my credit nd they closed my account nd than suddenly closed my checking account too nd now they lying nd saying I didn't comply which is a lie as i requested I'm also seeing if says I got a credit loan for sumthing which i didnt idk wats going on I feel like scam is going on please help me All XXXX of these companies lied to me to make me pay it off all nd than did this nd hurted my credit I can't get another credit card or house or car

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 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 — Problem with personal statement of dispute
Company: Chime Financial Inc
State: CA

Complaint narrative:
So I paid off my XXXX  XXXX XXXX credit card nd they promised wen I was making last payment tht they will send me a paper nd also to credit agency nd have it remove off my credit so it wnt affect it its still there I tried reaching them many times they didn't respond nd credit wnt fix it they said XXXX XXXX XXXX says it's current I paid off XXXX card nd same thing was told to me I made full payment of wat i owe as I lost my job due to covid nd had injury nd health issue but as soon I got money I paid off they promised to remove the bad credit late payment off my credit nd same they didnt rhey didnt remove it it's still showing nd affecting my credit I opened a account with chime credit card nd I couldn't even make it wrk it didn't let me do nothing I never got the credit card I told them nd they said they will fix it nd send me another card i requested for account to be close becauz I couldn't use it nd it was just affecting my credit nd they closed my account nd than suddenly closed my checking account too nd now they lying nd saying XXXX didn't comply which is a lie as i requested I'm also seeing if says I got a credit loan for sumthing which i didnt idk wats going on I feel like scam is going on please help me All XXXX of these companies lied to me to make me pay it off all nd than did this nd hurted my credit I can't get another credit card or house or car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: GA

Complaint narrative:
Since XX/XX/2023, I've sent several letters to TransUnion LLC Consumer Dispute Center LLC about how they could report the following Bankruptcy XXXX XXXX case number XXXX and the source where they received the information so I could contact them directly. I researched and discovered that the US Bankruptcy Court GA XXXX does not report to any third-party Credit Reporting agencies . I still demand all of the verifiable proof, such as the original instrument containing my signature, Pay-off, Interest Rate, Discloser, Balance and Payment History that they have listed for the following Bankruptcy XXXX XXXX case number 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 2023-06-26 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
I had reached out to Barclays back in XXXX about enrolling into the service member civil relief act. I had reached back out multiple times submitting a rebuttal but have yet to receive a response back. It has been over 30 days and I was told over the phone that by law Barclays is required to respond. I am XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and I am currently reside in XXXX of the XXXX key provisional states that extends these benefits even after a service member has joined the service. I understand that Barclays follows the federal law to the letter, but other federal owned banks that I had loans in have honored the Louisiana legislation without a snarky response over the phone. 
https : //legis.la.gov/legis/Law.aspx? 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 explanation
Consumer complaint received 2023-06-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Since XX/XX/2023, I've sent several letters to Experian about how they could report the following Bankruptcy XXXX XXXX case number XXXX and the source where they received the information so I could contact them directly. I researched and discovered that the US Bankruptcy Court GA XXXX does not report to any third-party Credit Reporting agencies . I still demand all of the verifiable proof, such as the original instrument containing my signature, Pay-off, Interest Rate, Discloser, Balance and Payment History that they have listed for the following Bankruptcy XXXX XXXX case number 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 explanation
Consumer complaint received 2023-06-26 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: NY

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late

Company response to consumer: Closed with explanation