vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Amex rejected my dispute within minutes claiming " they gathered documentation proving the charge is valid ''. This is impossible because the charge is NOT valid ( I provided the relevant documentation showing it ) and they could not possibly contact the merchant and receive documentation within less than 10 minutes as they claim. They also failed to provide a copy of this so-called documentation.

Amex also keeps rebilling me for fraudulent charges based upon fraudulent documentation coming from a foreign country. Furthermore, they have never provided a copy of the fraudulent documents they claim to hold as they are legally required to do.

Two different cards are involved now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: CA

Complaint narrative:
I am writing to follow up on my dispute regarding several negative items currently listed on my credit report. Despite my previous correspondence and efforts to resolve these inaccuracies, I have yet to receive a satisfactory response. The presence of these unverified and inaccurate items is of great concern and requires immediate action.

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 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Someone other than me, applied for a credit card under my XXXX account. 3 times. 

All 3 times were denied by XXXX. I have disputed all XXXX with XXXX and now Experian. 

The thing that is unfair, is that these fraudulent applications have resulted in 3 Hard Inquiries on my credit report. As soon as the fraud perpetrators hit send on the fraudulent application, I get a Hard Inquiry on my Credit Report. But Experian gets 90 days to remove them from my Credit Report after XXXX tells them the applications were fraudulent?!?! Where is the fairness in that? 

I have since locked my Experian credit 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 non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Due to continued and ongoing fraud perpetrated by XXXX, I recently had need to file several dispute and fraud cases with Capital One. On XX/XX/year>, I was made aware that these cases appeared to have been entered incorrectly. I faxed Capital One two letters requesting that all fraud cases be changed to disputes, with specific attention given to the retailer XXXX. Both are attached. However, XXXX started using it as an excuse not to issue refunds for those transactions the same day. I have yet to receive any confirmation from Capital One of receipt of this fax, and my account currently as of today, XX/XX/year>, shows no active disputes. I last spoke to two Capital One representatives on XX/XX/year>. During these calls which I recorded, the first representative informed me none of the current fraud cases have been converted to Disputes, and the second attempted to tell me that disputes can only be filed on the phone ( Which is clearly not true ). This was with regards to a different credit card account. No mention was ever made of my original above referenced request. Yet, for two weeks, XXXX has been using my disputing those charges, that they became aware of the same day I sent the fax, as an excuse not to issue refunds until I mentioned that 1 ) Many retailers appear to be waiting until I file a dispute to issue refunds 2 ) If they were to issue the refund before Capital One got around to processing my request and 3 ) Inquired how they became aware of disputes my bank has not yet acknowledged. XXXX has not yet responded but did manage to issue a refund for one of the disputed charges since then. I have attached the referenced correspondence along with a previous complaint I have made with regards to XXXX XXXX  There would appear to be a pattern developing wherein my financial institutions or employees thereof are participating in a scheme to help defraud me. Previously, Capital One had requested information with regards to two purchases made approximately 8 months ago. I showed these to XXXX XXXX  as they were the first financial institution to ever attempt to tell me a charge was too old to dispute. I after providing the information, I received two letters informing me in a somewhat rude manner that the charges were two old. When I called to inquire, I was again told a lie, that Master Card has a strict 60 day policy, and that they did do research while waiting for my additional information on the disputes they knew they would eventually deny due to this 60 day policy. I have since appealed their decision in writing and believe they may have reversed it, simply not retracted the provisional credit. I cant really be sure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Gentlemen constantly calls to make me pay more than I can afford. I informed him I was on XXXX. He constantly tell me that it's not enough. I need to pay more. Because I will take me over 2 years to pay. It's stressing me with the constant calls. From XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
On XX/XX/year> I filed a complaint requesting the certified mail receipt with my signature to show I receiived notification of the debt.. it was not provided..

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 2024-06-04 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
there is an account in my report that i don't recognize. This is fraud and i wanted it to be removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX  account # XXXX date opened XX/XX/scrub>XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting. 
15 U.S. Code 1681i. Procedure in case of disputed accuracy ; ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance if the validation of debt request isn't completed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have the creditor provide the validation documents to the CFPB as well as certified mail to me. It's extremely important that the creditor provide the documents to CFPB to ensure fairness and that they are not brushing me off. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting. 
15 U.S. Code 1681i. Procedure in case of disputed accuracy ; ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance if the validation of debt request isn't completed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have the creditor provide the validation documents to the CFPB as well as certified mail to me. It's extremely important that the creditor provide the documents to CFPB to ensure fairness and that they are not brushing me off. Thank you for your assistance.

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 2024-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: FL

Complaint narrative:
I have a cash app account I've used for quite some time. My phone broke so when I got a new one I attempted to transfer my cash app account to new phone and it wouldn't do it successfully. In fact I was instructed by cash app to create a new account and contact help within app under new account. I did so. I have had no resolution even when I proved via supporting documents my identity Cash App refuses me access to my old account saying I won't be able to access the cash app balance and refuses to give me any explanation in fact they hang up on me. This isn't the XXXX time they have done this but will hopefully be an end to them doing this craziness to others. Imagine to people they get over on the daily who fail to report it as I did the first time. Please help me get my money from my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: SC

Complaint narrative:
On XX/XX/XXXX I received a letter in the mail from The XXXX XXXX ( debt collector ) stating I owed {$75.00} for a visit to XXXX XXXX XXXX XXXX XXXX XXXX. I did not pay the debt right away and sent a dispute letter because I never received a bill from the hospital ( even after I called multiple times for one ) and I was not provided an itemized bill. Fast forward to today XX/XX/XXXX, I received an automated voicemail from XXXX ( XXXX ) XXXX stating to call them back because they were a debt collection agency called Wakefield and Associates. They stated I owed over $ XXXX for a medical bill, but they couldnt state from who because they werent their client. The bill comes from their client who they did not provide. They stated that they couldnt give any account number or reference ID number, the only thing they could provide was that the date of the visit was XX/XX/XXXX. I stated I would call the hospital and my insurance and handle it with them and they said to send them proof of the payment or this would go to my credit. 

I called my insurance and the hospital and they both provided that I only owe {$75.00}. My insurance assured me that there was no other claims from XX/XX/XXXX and that {$75.00} was it. I called the hospital and they clearly stated they do not work with Wakefield and Associates only XXXX XXXX XXXX XXXX XXXX XXXX I then called The XXXX XXXX XXXX XXXX they stated that they never gave my information and thats the only thing they have from XXXX XXXX. 


I googled Wakefield and Associates and many people state that they are scammers. I did have a feeling they were, but I want to make sure Im doing everything I can so that my credit is never compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: NY

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-06-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  sold the debt to another company. They are reporting the wrong date. I was not supposed to be sold to a 3rd party. I did not authorize this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I.C. SYSTEM INC Account Number XXXX Dear I.C. SYSTEM INC, I am writing to dispute the debt collection notice I received from your company dated XX/XX/year>. According to the notice, I owe {$1700.00} to XXXX  However, I am disputing this debt for the following reason ( s ) : I.C. SYSTEM INC is violating your consumer rights by using false misleading, misrepresentation and deceptive means. I.C. SYSTEM INC has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I was XXXX  at the time the account was open In support of my dispute, I am attaching the following documentation : Letter Of XXXX  I request that you immediately investigate this matter and cease all collection activity until the dispute is resolved. Please provide me with written confirmation that my dispute has been received and is being investigated within 30 days, as required by the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I request the following information : The name, address, and phone number of the original creditor. A detailed breakdown of the charges and fees associated with this debt. Any evidence you have that I am legally obligated to pay this debt. Please be aware that if you fail to validate the debt or continue collection activity after receiving this dispute, I may pursue legal action against your company. Thank you for your time and attention to this matter. I look forward to your prompt response. 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 explanation
Consumer complaint received 2024-06-04 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: NJ

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I looked back on XX/XX/2024 and noticed some things are still incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate these accounts listed below because : XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate and is reporting under another company as well which has an incorrect balance. 

XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXXopen date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXXXXXX XXXX  ( security credit ) XXXXopen date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXXopen date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX XXXXXXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX -open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXXXXXX-open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

My name is not 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