vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-01 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Dear TransUnion, To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re- investigated. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely, 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 2023-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: DE

Complaint narrative:
I obtained a copy of my credit reports and i noticed a company by the name of Sunrise Credit Service being reported across all 3 bureaus with different account numbers. I have never gave none of the CRA 's permission to report this on my credit report. According to 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the Written Instruction of the consumer to whom it relates. I Never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO consent is identity theft as a federally protected consumer by law I am demanding deletion of the account listed above Immediately. I have also asked this company for validation of debt. Please send original document signed by myself tying me to this debt if not I am demanding deletion because this is hindering my credit journey

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 2023-06-01 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act 15 U.S. Code 1681, a consumer reporting agency must maintain accurate reporting. Reinvestigate the account in question, see attached form 1099-C as verification that the debt has been canceled and is no longer enforceable. According to the IRS, form 1099-C is used to report canceled debt, which is generally considered taxable income. Therefore, late payments shall not be reported. 

Immediately remove all late payments from my consumer report, and adjust account # XXXX to reflect the true and correct statement of account. Failure to comply with instructions within 5 days, shall result in a {$1000.00} responsibility per violation. Provide me with a copy of my new consumer report. Thank you for your time and attention to 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
Consumer complaint received 2023-06-01 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act 15 U.S. Code 1681, a consumer reporting agency must maintain accurate reporting. Reinvestigate the account in question, see attached form 1099-C as verification that the debt has been canceled and is no longer enforceable. According to the IRS, form 1099-C is used to report canceled debt, which is generally considered taxable income. Therefore, late payments shall not be reported. 

Immediately remove all late payments from my consumer report, and adjust account # XXXX to reflect the true and correct statement of account. Failure to comply with instructions within 5 days, shall result in a {$1000.00} responsibility per violation. Provide me with a copy of my new consumer report. Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem.

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 2023-06-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I've had ongoing issues with Wells Fargo and mismanagement of my Checking and Retirement Savings. This complaint is focused on only one part of my XXXX XXXX XXXX. On XXXX XXXX, I was made aware that my account Email had been hacked and passwords changed. I immediately called Wells Fargo and explained to them what had happened. I disabled and deactivated my Wells Fargo checking, my retirement savings, and my newly received Wells Fargo charge card with XXXX balance. I explained to Wells Fargo, several times, that due to the fact that my account Email had been hacked, that NO communication with Wells Fargo either to or from my account Email, as this would simply be communicating with the Identity thief or thieves. I was given a secret code # by Wells Fargo. When I was ready to reopen accounts, I would call back with my secret code numbers, new Email, and ID verification. 
-- XX/XX/XXXX : I called back to make sure that everything was in place, as requested, and it was verified. 
-- XXXX XXXX : I called back with secret code, new Email, and ID Verification to reopen my accounts, as I had been dealing with identity theft issues. Wells Fargo stated that my accounts were already opened. I said " No Way ''. And I proceeded to check my account balances. My accounts had been drained. And there was also {$1300.00} fraudulent charges on my newly received Wells Fargk charge card which had XXXX balance. 

I was then referred to Wells Fargo Claims dept. In my 62 years of life, I have never experienced a department as useless as Wells Fargo Claims. I was continually teasted as the identity thief. Copies of my ID 's, countless Emails, Phone Calls, and letters, got no results!! Wells Fargo basically refused to help me to get into my accounts, nor would they give me any info on my accounts. But they seemed to have let the identity thief have free access to my accounts.

I was then referred to the Executive Board. At some point, the monies lost during the fraudulent transactions had possibly been replaced, I assume, but then again Wells Fargo would tell me nothing, nor give me any access to my accounts. I went through two Specialists with the Executive Board, and several extensions past their communicated deadlines. 
XXXX XXXX and XXXX were the two Executive Office Case Specialists involved in my case. On XX/XX/XXXX, Wells Fargo finally answered a couple of questions on my account. Again, at some point it looks as if the monies were possibly replenished., but I was told nothing. The monies were possibly replaced in an account in my name which I had no access to, and was under the control of the identity thieves. Apparently, the identity thieves began removing these monies also.

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 2023-06-01 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: TX

Complaint narrative:
You are in direct Violation of the Fair Credit Reporting Act and several of my rights has been violated 15 USC 1681 Section 602 A. Clearly states that I have a right to Privacy 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove late payments, collections, and charge offs ands update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act 15 USC 1681a ( 2 ) ( A ) - Exclusions the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1681n Civil liability for willful non compliance Furthermore, any CHARGE OFF remarks are not only a violation of the FCRA but also the IRS Tax Publication that states a charge off written off by the creditor must be claimed as income on a 1099C and income is NOT to be reported on a consumer credit report/file.

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 2023-06-01 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XX/XX/XXXX To whom it may concern : TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Charge-Off [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Dear Sir/Madam, I am writing to dispute the charge-off listed on my credit report for [ XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  - XXXX XXXX ]. I have carefully reviewed my credit report, and I believe that this information is inaccurate and misleading. I kindly request that you investigate and remove the charge-off from my credit report as it is negatively impacting my creditworthiness. 

I am disputing the charge-off for the following reasons : 1. Lack of Validity : The information regarding this charge-off has not been properly validated. I have previously requested documentation from the original creditor validating this debt, but they have failed to provide adequate proof of ownership and verification.

2. Inaccurate Reporting : I have identified discrepancies in the reported dates, amounts, and details associated with this charge-off. I have supporting evidence, including bank statements and correspondence, which contradict the information on my credit report.

Based on the Fair Credit Reporting Act, I request that you conduct a thorough investigation into the accuracy and legitimacy of this charge-off. Please provide me with copies of all documentation supporting the validity of this debt, including the original contract and any subsequent assignment or purchase agreements.

If you are unable to validate the debt within the allotted time frame or find inaccuracies in the reported information, I kindly request that you remove the charge-off from my credit report promptly. I emphasize that I am seeking fair and accurate reporting as mandated by the law.

Enclosed with this letter, please find copies of the relevant documents supporting my dispute, including correspondence with the original creditor and any relevant account statements. I appreciate your attention to this matter and your prompt resolution.

Please provide me with written confirmation once the investigation is complete, along with any updated credit reports reflecting the removal of the charge-off. Additionally, please inform me of any actions you have taken or plan to take regarding this dispute.

Thank you for your assistance in resolving this matter. I look forward to a swift and favorable resolution. 

Sincerely, 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 2023-06-01 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: CA

Complaint narrative:
I filed a dispute claim with Trans Union regarding a chargeoff that was placed on my credit report by XXXX XXXX XXXX. It had been deleted in XX/XX/XXXX because XXXX XXXX XXXX did not respond in the time allowed but was added back to my credit report in XX/XX/XXXX. The claim made by XXXX XXXX XXXX is bogus because the money that they claim that I owe them was already paid to them. I included proof of payment in my dispute with Trans Union but they went ahead and sided with XXXX XXXX XXXX and left the charge off on my report stating it was varified accurate just because they were told by XXXX XXXX that it was they did not ask for any written proof to prove my claim was inaccurate.Nor did they submit my proof to XXXX XXXX to prove otherwise. Trans Union stated to me that they are just a middle man service and suggested that I contact CFPB for further assistance with my dispute. So I am sending you all of my documentaion to support my claim.Along with the information involving this issue. 
In XXXX of XXXX I contacted the customer service deptment from XXXX XXXX XXXX, and notified them that I was closing my account with them and no longer wished to do business with them due to the fact that in my opinion they are only in business to steal your money and after reading the houndreds of complaints filed with the XXXX many other people share my opinion as well. Merchant XXXX is a credit card reading service that I obtained because I was opening a business where I would be needing such a service but due to covid -19 I was not able to start it but XXXX XXXX continued to charge me month after month for doing absolutley nothing! When I finalley realized that they had been taking money from my bank account I contacted them and terminated my account as I stated earlier in XXXX of XXXX. In XXXX of XXXX I recieved a letter from them stating that I had to notify them in writing in order to close my account which was never told to me in XXXX. So they continued to charge me fees for XXXX, XXXX, XXXX and XXXX of XXXX and they also were charging me a fee for a card reader that was offered to me free of charge as a promo bonus gift for signing up with them. The fees were paid as you can see in my bank statements and the card reader fee is ridiculaus because that was given to me for signing up with them in total XXXX XXXX XXXX,. recieved over XXXX in fees that they took from my bank account for doing absolutley nothing as far as providing a service for me including the money they say I owe them in the charge off they reported to Trans union.

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 2023-06-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: FL

Complaint narrative:
I opened a Checking account with XXXX XXXX on XX/XX/XXXX and a Savings account on XX/XX/XXXX. I deposited two checks, one for {$380.00} and another for somewhere between XXXX XXXXXXXX {$2000.00}. I also had a direct deposit deposited for around {$2500.00} from my job. I soon after opening got locked out of my account. I spoke with a rep at XXXX XXXX and she told me that because they are online only and do not have branches they automatically assume everyone might be fraud so they lock everyone out. I have not had access for 2 weeks now and they are holding all my money, XXXX XXXX XXXX. Each time I call they just say I need to wait and I will usually get a resolution in 10 days. It has been over 10 days and they still won't answer. They transferred me to Key Bank who I guess they use and a rep at Key Bank told me they were suprised they are locking everyone out. I saw an ad on XXXX and all the comments ( XXXX ) were people saying they were locked out for no reason, many for months. And some had accounts closed and funds not returned. I can not wait months and I need my money. They can't just steal it, it's insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: CA

Complaint narrative:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; that means it's illegal to put derogatory or late payments on my credit report it also is not open it's closed and there's a monthly balance stating XXXX dollars means it need to be corrected and updated the previous dispute you said it was accurate about me being the cosigner my signature is under the buyer that means this 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 2023-06-01 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I purchased a workout bike for my wife from XXXX back in XXXX XXXX  XXXX and immediately reached out to the company due to what appeared to be faulty installation. After my wife used the bike the first time she noticed the bike was faulty, as buttons did not work properly, if at all, and the system itself was not performing as expected. In other words we were not satisfied with the purchase. I attempted to reach out to the company via email, phone, and through their XXXX app several times to request a refund and let them know about the faulty/defective issues within the first month, and I never received a live agent on the phone, no one ever responded to attempts to contact the company on the app, and to date still have not received a response to my email. After the thirty day period to request a refund had passed and it seems the company deliberately did not respond to get to this point, I made payments in good faith as to not ruin my credit which I worked hard to build even while the company continued to be unresponsive to the issues with their product. In XXXX XXXX  XXXX, I finally got a live agent on the phone ( XXXX XXXX ) who basically told me I need to fix the bike myself, as they would not send out a tech to fix the bike. I took the complaint to XXXX and suddenly someone from XXXX ( XXXX XXXX and XXXX XXXX XXXX reached out on XXXX. When I told them I attempted to return the product within the thirty-day return window, they indicated they will not accept a return nor provide a refund but they will send out a tech to repair. Clearly not what I wanted as I was approximately five months with a defective and faulty product that had not been enjoyed up to this point. To date, a tech came out three times and the bike is still not functioning as expected. The company is still refusing to provide a chargeback and refusing to accept a return of this product they failed to give me the opportunity to do within the first thirty days, yet they continue to attempt to collect as well as report me to credit bureaus.

Company response to consumer: Closed with monetary relief