vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have disputed this debt. Multiple times, with the original credit company. And with this debt collection company Portfolio Recovery. This card was closes by the original creditor when asked for covid pause and exemption. 

Since then I have repeatedly disputed the validity of the additional fees, interest, and tactics used by both the original creditor and Portfolio Recovery. 

Just recently phone calls outside of normal hours include : XX/XX/XXXXXXXX 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  ( at work can not take personal calls during work hours ) XX/XX/XXXX XXXX XXXX  I also have repeated phone calls from unknown numbers that call XXXX times in a row and leave no message. At all hours. 
Most recently : Monday XX/XX/XXXX XXXX XXXX  and XXXX XXXX  Today, I received a message from my soon to be ex-wife. That a certified letter had been sent and accidentally signed for at her parents residence ( my in-laws ). From the court house in XXXX XXXX Ohio. A quick court search showed that Portfolio Recovery has filed a suit against me. But listed an address I haven't lived at in 15 years at least. 

To say this harassment has gone over the top at this point is an understatement. I have answered the calls one time and asked thene to cease and desist because the original creditor needs to fix the issue instead of selling the debt. 

All of this to no avail, to the point that my XXXX XXXX XXXX in-laws are now being drug into this. 

This is blatant harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 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: OH

Complaint narrative:
I earnestly plead with you to promptly take decisive steps to eliminate the unauthorized inquiry from my credit report without any further delay.

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 2024-05-04 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: T.S. Holdings
State: TX

Complaint narrative:
I NEVER RECEIVED ANY FORMAL BILL FOR THESE CHARGES IN WRITING FROM THE "ALLEGED" ORIGINAL CREDITOR SUCH AS A LETTER SENT THROUGH U.S.P.S WHICH WAS SENT "CERTIFIED MAIL, RETURN RECEIPT REQUESTED" I HAVE NO IDEA WHAT THESE "ALLEGED" CHARGES ARE FOR. THE APARTMENTS AND THE U.S.P.S, BOTH HAVE HAD FORWARDING ADDRESSES FOR ME FROM THREE (3) YEARS AGO. I HAVE RECEIVED NO WRITTEN CORESPONDENCE FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND/OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX    WHO SENT THIS TO A COLLECTION AGENCY (I.Q. DATA INTERNATIONAL) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WHO PLACED DEROGATORY INFORMATION ON XXXX XXXX  AND XXXX CREDIT REPORT (WIHTOUT PROPERLY (LEGALLY) VERIFYING ANYTHING). I HAVE ASKED XXXX XXXX AND I.Q. DATA INTERNATION FOR A SIGNED COPY OF ANYTHING THAT VERIFIES THIS "ALLEGED" DEBT. NO RESPONSE. I HAVE DISPUTED THIS DEBT WITH) ALL THREE CREDIT BUREAUS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE XXXX ATTY GENERAL'S OFFICE XXXX TX)- A GOVERNMENT OFFICE-NOT A PRIVATE ATTORNEY)

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed that several accounts were opened fraudulently using my personal information. Please help to proceed to remove these accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Unauthorized inquiries

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 2024-05-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I bought a bedroom set from XXXX 's XXXX XXXX XXXX XXXX for {$4500.00} with store credit offered by Synchrony Bank. I made on-time payments for 2 years over the minimum balance bringing my balance down to approximately {$2500.00}, then found out this XXXX that I now owe them over {$6000.00}. I called their customer service multiple times and have been told it was due to a promotional rate expiring which was never directly communicated to me via email or direct mail. I feel Synchrony Bank was surreptitious in doubling my debt and not notifying me well enough so I could take action or seek any reprieve on the interest rate. 
I just got off a phone call with them and they informed me that I would have to pay {$1500.00} to waive interest payment of about the same amount, while still owing them {$2500.00}. I feel wronged and unfairly treated. when I purchased the furniture and was told it would be interest-free for 24 months, I expected that after 24 months interest would start applying to my account, and not that 24 months ' worth of accumulated interest payments would suddenly be added to my account and I would be required to pay the bulk amount as a lump sum payment. 
In essence their plan would have me in debt for several more years and this practice is wrong.

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 2024-05-04 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: CT

Complaint narrative:
I recently reviewd a copy of my credit report a noticed a had fraudulent accounts on my report. please remove these accounts from my report, tjhey are hurting to obtain credit.

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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Unauthorized inquiries

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 2024-05-04 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: VA

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

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 2024-05-04 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: PA

Complaint narrative:
My name is XXXX XXXX, this is not a third party filing this notice. There is an account being furnished on my consumer report that is inaccurate. Please remove it immediately. See attached ;

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 2024-05-04 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: PA

Complaint narrative:
My name is XXXX XXXX, this is not a third party filing this notice. There is an account being furnished on my consumer report that is inaccurate. Please remove it immediately. See attached ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 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: MA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
Dispute and Request for Documentation - XXXX XXXX  Account Number : XXXX Dear TransUnion, I am writing to dispute the accuracy of XXXX XXXX  reported on my credit file. This account was previously adjusted and removed from my XXXX credit report, which indicates that there was an error with the reporting of this account. 

I request that you provide me with the following documentation : Verification of the debt and proof that the account belongs to me Detailed account history, including payments, charges, fees, and interest added to the account Proof of credit reporting, including when and how the account was reported to TransUnion Investigation report detailing the findings and actions taken regarding my dispute Documentation of any previous disputes related to this account and their resolution Proof of compliance with the FCRA Given that XXXX has already removed this account from my credit report, I believe there is an error with TransUnion 's reporting. 

I request that you investigate this matter and take immediate action to correct and remove this account from my credit report. I request this documentation within 14 days. Failure to provide this information may lead to further action to protect my rights under the 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 2024-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase bank frozen my account and wont tell me why I can no access my money but they are still letting money in ACH. I have call the bank and went down there they instructed me to bring one account up from a overdrawn amount and they will open my accounts they instructed me it has to be cash so I did with the banker there he also heard the requirements I deposited money and they still would not open my accounts I still can not got a answer as of why and cant access my funds I have been banking there with no problems for 9 years

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: GA

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to express my extreme dissatisfaction regarding uN AUTORIZED INQUIRIES IN MY REPORT This situation constitutes a breach of contract and potentially violates15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer report the Fair Credit Reporting Act ]. I demand immediate rectification of this matter. I insist on Deleting and require a written confirmation of the resolution within. Failure to address this matter promptly will leave me with no choice but to initiate legal proceedings to enforce my rights and seek appropriate remedies, including but not limited to damages, injunctive relief, and legal costs. 


Experian - inquiries 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 XXXXXX/XX/XXXX DID NOT AUTORIZED

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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX has failed to allow direct /proper access to my credit score and the ability to dispute.

I contacted customer service over 50 times and could not get a live representative to assist with this matter.

I noticed several accounts being reported in violation of the FCRA. When you ask a debt collector to verify or validate a debt, or you otherwise dispute the debt, you trigger certain legal obligations ( which they must follow ). One of the most important of these obligations is to mark the debt as disputed, on your credit reports. This is required under section e ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ). 

I was trying to dispute several accounts in violation of the FDCPA When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C )

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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXX XXXX has failed to allow direct /proper access to my credit score and the ability to dispute.

I contacted customer service over 50 times and could not get a live representative to assist with this matter.

I noticed several accounts being reported in violation of the FCRA. When you ask a debt collector to verify or validate a debt, or you otherwise dispute the debt, you trigger certain legal obligations ( which they must follow ). One of the most important of these obligations is to mark the debt as disputed, on your credit reports. This is required under section e ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ).

I was trying to dispute several accounts in violation of the FDCPA When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: MA

Complaint narrative:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from 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 non-monetary relief
Consumer complaint received 2024-05-04 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: NV

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

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 2024-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XXXX of XXXX I called Wells Fargo Bank in order to ascertain what happened to the funds of a mortgage that was supposed to be from an account of Wells Fargo Bank. The funds transfer was initiated XX/XX/XXXX. The funds never arrived to XXXX. The name of my business is XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The amount of the transfer was {>= $1,000,000}, In communication with the representative of Wells Fargo Bank, I was told that they could not give me any information because I was not a customer of their bank. I spoke to a bank officer of XXXX, and he verified that no funds was received by his 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 explanation
Consumer complaint received 2024-05-04 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: MA

Complaint narrative:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from 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 non-monetary relief
Consumer complaint received 2024-05-04 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: Block, Inc.
State: TX

Complaint narrative:
On XXXX, XX/XX/year> I sent a friend {$20.00} thru CashApp. My friend has been unable to access the money. The CashApp system keeps asking him to verify his identity. He has submitted his identity over 50 times utilizing both current photos and his Texas issued state ID. We have both contacted CashApp with no resolution to date. Neither myself or my friend are able to access the {$20.00}.

Company response to consumer: Closed with explanation