vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: CA

Complaint narrative:
ERC sent me a letter on XX/XX/23 claiming I owe {$620.00} to XXXX XXXX XXXX. I don't have an account with XXXX XXXX XXXX and never have, and I've confirmed this with them. XXXX XXXX XXXX  agrees I don't owe anything. 

ERC tried this same illegal scam tactic on me a few years back, claiming I owed thousands to another company I've never had dealings with. 

I've reached out to ERC before to ask them to stop. I've also asked them to provide proof of the debts. They've given me XXXX information. All they do is harass me on my phone XXXX hours a day, send letters, and try to attack my credit score. Each time, I contest it -- and they have to stop. But then it starts up again a few months later with a new company. 

ERC is running an illegal scam operation. They are lying, engaging in illegal communications practices, and trying to collect on obviously fake debts. 

I'd like ERC to cease all contact with me and cease all attempts at collecting this fictitious " debt. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 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: IL

Complaint narrative:
I have reviewed my credit reports and found identy theft. I found numerous accounts that we not opened by me. 
This has resulted in me not beeing able to get a home loan. 
Please remove the fradulent accounts as soon as possible. not only are the unlawful, I have But I have never signed a contract with them. Thanks In Advance

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 2023-09-17 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: CA

Complaint narrative:
I noticed Experian LLC fails to provide legal documentation for proper verification of the inaccurate accounts it continues to furnish on my credit report. The inaccurate account is as follows : XXXX. XXXX XXXX Account # XXXX Consumer law violations : Failed to provide XXXX documents to me for proper verification of accounts furnished on my credit report. 

LAST WARNING! IF YOU CONTINUE TO FURNISH INACCURATE ACCOUNTS ON MY CREDIT REPORT. I WILL FILE A MOTION AGAINST YOU WITH THE STATE OR FEDERAL COURT. 

Inaccurate information : 1. XXXX late payment Unfamiliar company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 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: IL

Complaint narrative:
I have reviewed my credit reports and found identy theft. I found numerous accounts that we not opened by me. 
This has resulted in me not beeing able to get a home loan. 
Please remove the fradulent accounts as soon as possible. not only are the unlawful, I have But I have never signed a contract with them. Thanks In Advance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 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: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
Curacao kept my account open for negative credit reporting. Even after I had paid the account off in full. during covid i had ordered a cell phone which i returned late due to my product was sent to the wrong address. I explained to them what happen and then they closed the account so that I could not use the credit card. However I just found out that they continued to keep the account active for only negative reporting. Even after I paid it off completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to express my profound dissatisfaction and concern regarding my recent interactions with JP Morgan Chase Bank, where I have been a loyal customer for many years. 

I believe that my concerns and requests have been handled in a manner that is not only dismissive but also discriminatory. This has left me with the disturbing feeling that my treatment may be based on my race, XXXX, or ethnicity. 

Specifically, I have encountered the following issues : Delayed Responses and Lack of Attention : I have noticed a significant delay in response time regarding serious issues with my account. It feels as though there is a deliberate attempt to neglect or sideline my concerns. 

Dismissive Behavior : On several occasions, the representatives I have spoken with have downplayed or misunderstood my concerns, making me feel unheard and invalidated. 

Unjust Decisions : Decisions made regarding my disputes appear to lack merit and instead seem influenced by factors unrelated to the case at hand, making me question the bank 's impartiality. 

Poor Communication : Despite my repeated attempts to communicate and clarify the concerns about my account, I have consistently received unclear or non-transparent explanations. This has caused additional distress and confusion.

Denial of Resources : I specifically requested information and resources related to XXXX to voice my concerns, but my requests have been ignored or denied without a valid reason. 

It is of utmost importance for me, as a customer, to feel valued and treated fairly by the financial institution where I entrust my money. I am deeply troubled by the possibility that my race, XXXX, or ethnicity could influence the treatment I receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Unfortunately PNC DID NOT ADDRESS AT ALL THE MOST COMPELLING ISSUE RAISED The copy and past response from an unknown person does not address the issue that I made PNC aware that I am unable to do online banking. 

I AM AN AMERICAN WITH A XXXX. UNDER FEDERAL LAW PNC IS REQUIRED TO MAKE REASONABLE ACCOMMODATIONS. 
I have asked that PNC provides the paper statements to me without imposing a monthly XXXX Dollar fee in the future and provides reimbursement for prior fees. 

Again, in simple terms I am asking PNC to confirm that they will not collect any paper statement fees from me in the future. 
Unless PNC address this issues and provides as required under federal law reasonable accommodations I am considering a complaint to the Department of Justice in case PNC again responds with I would appreciate if someone pays attention instead of copy and paste responses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Under [ 15 U.S.C . 1681s-2 ] ( A ) Duty of Furnishers of Information to Provide Accurate Information. 
XXXX XXXX XXXX has violated my consumer rights under the FCRA and failed to maintain ACCURACY and INTEGRITY on my consumer report. 

( 1 ) Reporting information with actual knowledge of errors.

( 2 ) Reporting information after notice and confirmation of errors ( 3 ) the information is, in fact, inaccurate.

( 4 ) Duty to correct and update information unsuccessful.

I demand this account be deleted from my consumer report due the adverse effect on my reputation. 

under [ 15 U.S.C. 1681s ] The Federal Trade Commission shall be authorized to enforce compliance with the requirements imposed by this title under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), with respect to consumer reporting agencies and all other persons subject thereto.

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 2023-09-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Under [ 15 U.S.C . 1681s-2 ] ( A ) Duty of Furnishers of Information to Provide Accurate Information. 
XXXX XXXX XXXX has violated my consumer rights under the FCRA and failed to maintain ACCURACY and INTEGRITY on my consumer report. 

( 1 ) Reporting information with actual knowledge of errors.

( 2 ) Reporting information after notice and confirmation of errors ( 3 ) the information is, in fact, inaccurate.

( 4 ) Duty to correct and update information unsuccessful. 

I demand this account be deleted from my consumer report due the adverse effect on my reputation. 

under [ 15 U.S.C. 1681s ] The Federal Trade Commission shall be authorized to enforce compliance with the requirements imposed by this title under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), with respect to consumer reporting agencies and all other persons subject thereto.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Under [ 15 U.S.C . 1681s-2 ] ( A ) Duty of Furnishers of Information to Provide Accurate Information. 
XXXX XXXX XXXX has violated my consumer rights under the FCRA and failed to maintain ACCURACY and INTEGRITY on my consumer report. 

( 1 ) Reporting information with actual knowledge of errors.

( 2 ) Reporting information after notice and confirmation of errors ( 3 ) the information is, in fact, inaccurate.

( 4 ) Duty to correct and update information unsuccessful. 

I demand this account be deleted from my consumer report due the adverse effect on my reputation. 

under [ XXXX XXXX. XXXX ] The Federal Trade Commission shall be authorized to enforce compliance with the requirements imposed by this title under the Federal Trade Commission XXXX ( XXXX XXXX. XXXX et seq. ), with respect to consumer reporting agencies and all other persons subject thereto.

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 2023-09-17 00:00:00
Product: Credit reporting 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Since XXXX Chase continues to report under credit journey the name XXXX and credit information and accounts that are not on my reports. This is not reported on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo knows. I am waiting for someone to care. My credit card has been frauded each week for the past 4. The last time, In fact, I hadnt even received my new credit Card when it was frauded again. I have suggested to Wells Fargo the bandit it is within their organization. Im unhappy with their lack of customer service. In fact I spoke to a supervisor today because my latest card was not expedited to me. In the Last month I paid off my entire balance, it was at least XXXX. He was rude. I never hear any kind of apology for this constant infraction. I dont want to upset my life by changing to a new bank after 22yrs. Im an XXXX XXXX. What can be done. Put a pin on credit cards, perhaps. Help

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 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: PA

Complaint narrative:
Received a update on my credit report that someone pulled my credit from Transunion : XXXX XXXX XXXX XX/XX/ Location XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual

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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since XXXX XXXXXXXX continues to report under XXXX XXXX  the name XXXX and credit information and accounts that are not on my reports. This is not reported on Experian.

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 2023-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have contacted Wells Fargo several times for the information I was provided by Wells Fargo lawsuit against them. I am concerned I have some one in the company my personal information and I still have not received my lawsuit money from them yet. Please help and tell what I need to do

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 2023-09-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
My venmo account was frozen for violation of terms of services. After asking what exactly I violated I was told venmo doesn't have to tell me. I was requested to upload my ID to unfreeze my account. After doing so venmo permanently suspended my account with a balance of {$290.00} that venmo said they are keeping for loss prevention. I've asked multiple times if I can get my funds but keep getting denied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to file a formal complaint regarding a concerning and ongoing matter involving XXXXXXXX XXXX The essence of this complaint pertains to the violation of my consumer rights and fair lending practices, as well as the mishandling of a billing dispute, which has had a detrimental impact on my financial well-being. 

On XX/XX/XXXX, I received a notice from XXXXXXXX XXXX, notifying me that my credit card account, ending in XXXX, was past due by {$30.00}. This notification was both shocking and perplexing, as I possess substantial evidence demonstrating the absence of any overdue payment on my part. 

This dispute originated from a billing error resolution case that dates to XX/XX/XXXX. Since then, the situation has escalated, culminating in my case being elevated to the office of the president at XXXXXXXX XXXX. However, despite my concerted efforts to rectify the situation and provide evidence supporting my position, I find myself unfairly targeted. 

In response to this situation, I have not conducted any transactions on my credit card account since XX/XX/XXXX. Subsequently, when I initiated a fraud claim, XXXX XXXX deactivated Card ending XXXX, which was originally associated with the alleged debt. They then proceeded to issue a different card, which I never received. Subsequently, they expedited the delivery of Card Number : XXXX, a card that remains inactivated due to the ongoing dispute. 

My primary contention is that, under the Fair Credit Billing Act ( FCBA ), my rights have been systematically undermined. I initiated a dispute on XX/XX/XXXX, ( Case # : XXXX ), asserting that the entire balance is erroneous and should be disputed. In adherence to the XXXX, XXXXXXXX XXXX was required to provide provisional credits. Regrettably, they did not do so. Instead, they intermittently provided and subsequently removed these credits, which contravenes the requirement stipulated in Section 1026.13 of the XXXX. This section necessitates the completion of the dispute settlement within 90 days, and creditors are prohibited from attempting to collect any disputed amount beyond this period. 

Furthermore, my credit score has been adversely affected due to XXXXXXXX XXXX 's actions, resulting in a drop of 44 points. This stems from their unjust reduction of my credit limit from {$1500.00} to {$300.00} amid a heightened dispute, a measure I deem punitive and in violation of our contract.

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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to file a formal complaint regarding a concerning and ongoing matter involving XXXX XXXX The essence of this complaint pertains to the violation of my consumer rights and fair lending practices, as well as the mishandling of a billing dispute, which has had a detrimental impact on my financial well-being. 

On XX/XX/XXXX, I received a notice from XXXX XXXX notifying me that my credit card account, ending in XXXX, was past due by {$30.00}. This notification was both shocking and perplexing, as I possess substantial evidence demonstrating the absence of any overdue payment on my part. 

This dispute originated from a billing error resolution case that dates to XX/XX/XXXX. Since then, the situation has escalated, culminating in my case being elevated to the office of the president at XXXXXXXX XXXX However, despite my concerted efforts to rectify the situation and provide evidence supporting my position, I find myself unfairly targeted. 

In response to this situation, I have not conducted any transactions on my credit card account since XX/XX/XXXX. Subsequently, when I initiated a fraud claim, XXXX XXXX deactivated Card ending XXXX, which was originally associated with the alleged debt. They then proceeded to issue a different card, which I never received. Subsequently, they expedited the delivery of Card Number : XXXX, a card that remains inactivated due to the ongoing dispute.

My primary contention is that, under the Fair Credit Billing Act ( FCBA ), my rights have been systematically undermined. I initiated a dispute on XX/XX/XXXX, ( Case # : XXXX ), asserting that the entire balance is erroneous and should be disputed. In adherence to the FCBA, XXXX XXXX was required to provide provisional credits. Regrettably, they did not do so. Instead, they intermittently provided and subsequently removed these credits, which contravenes the requirement stipulated in Section 1026.13 of the FCBA. This section necessitates the completion of the dispute settlement within 90 days, and creditors are prohibited from attempting to collect any disputed amount beyond this period. 

Furthermore, my credit score has been adversely affected due to XXXXXXXX XXXX 's actions, resulting in a drop of XXXX points. This stems from their unjust reduction of my credit limit from {$1500.00} to {$300.00} amid a heightened dispute, a measure I deem punitive and in violation of our contract.

Company response to consumer: Closed with non-monetary relief