vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 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: FL

Complaint narrative:
On XX/XX/17 I went to go rent a car it hurts and they do not accept a XXXX  credit card. So I went on my cash app and moved {$330.00} to transfer to my XXXX XXXX as they would take that card. As soon as money went into my cash up account they immediately suspended my account for suspicious activity. 5 days have passed and no one has reached out said anything. I have uploaded my license and verified my identity. Every time I call I get hung up on and I'll chat say sorry we don't have any information. I love week the week and the money that they took hostage has impacted my life for which I don't think I'll be able to come back from. I am unable to go to work and since I'm unable to work I'm unable to pay bills and I have XXXX  children and this is going to affect me horribly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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:
Transunion was notified by letter on XX/XX/year> that the account that is reporting on my credit report with the account number XXXX has the wrong balance and the collection agency claiming the alleged debt has not been able to send validation. The original creditor, XXXX XXXX XXXX, was able to verify that the balance reporting is incorrect by sending my last statement ( attached ). You are reporting a balance of {$650.00}, while the original creditor is reporting {$590.00}. This is a complete violation, and I am demanding the removal of this account. XXXX and XXXX have already removed the account for XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX. Please see the attached statement and delete this account within 30 days or I will have to seek litigation for your company 's false reporting and negligence.

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 2024-05-21 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: IN

Complaint narrative:
I'm resending my dispute letters since I didn't get the full resolution to my concern. Again, 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: IN

Complaint narrative:
After receiving an unsatisfactory response to my initial dispute, I promptly escalated the matter by filing a Fifth dispute with the bureau. As per the FCRA, the agency is obligated to notify the furnisher of the disputed information and provide them with all relevant documentation. However, they failed to fulfill this obligation, and as a result, the furnisher continued to report the inaccurate information without any verification or correction. I also requested identifying information in reference to any supporting documentation to sustain why the items Ive disputed are continuing to report. I received nothing. 

In my previous complaint, I specifically requested identifying information and supporting documentation to justify why the disputed items are still being reported. To date, I have received no such documentation or any satisfactory explanation. 

The continued reporting of inaccurate information on my credit report is causing me significant distress and harm. 

I demand that the credit bureau take action on the following items immediately. 

XXXX XXXX ( Original XXXXXXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX, This account is unfamliar to me. Remove this account ASAP. 

XXXX ( Original XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX, This account is unfamliar to me. Remove this account ASAP.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have had items deleted from my credit report. It doesnt Show on XXXX but shows on my transunion and XXXX XXXX According to consumer law all bureaus need to report 100 % accurate information. So if XXXX deleted it why Havent the other bureaus either.

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 2024-05-21 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: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-05-21 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: NY

Complaint narrative:
I am writing to request a reinvestigation into this account : Account name : XXXX XXXX XXXXXXXX Despite previous attempts to resolve this matter directly, I believe there are unresolved discrepancies that warrant further investigation by your agency. 
I kindly request that the Consumer Financial Protection Bureau conduct a thorough reinvestigation into this matter to ensure that all relevant information is considered and that any errors or discrepancies are rectified promptly.Please provide all documentation stating that this would affect my 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 explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
In this case My Debt Was Sold to an Illegal Debt collector and they are creating false and negative reports on my credit which consumers law prohibits.Under USC CODE ( 5 ) 1692 Contract was broken after they sold my debt. So by law I am not obligated to pay a on a broken contract.If So, I would like the Original Creditor To send me the Documentation Validating they are in fact the Original Creditor or For National Credit Adjuster Prove the have A DEBT COLLECTOR LICENSE Below will show that the debts collector has documents that I DONT GIVE CONSENT TOO.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRIAD FINANCIAL SERVICES, INC.
State: TX

Complaint narrative:
I try to submit original payment for mortgage amount and they rejected it because the amount supposedly changed so I resubmitted the new payment amount and by the time they inform me about the Miss payment information, they have already reported it to my credit supposedly by one day and they told me that theres nothing they can do about it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: GA

Complaint narrative:
I'm resending my dispute letters since I didn't get the full resolution to my concern. Again, 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.

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 2024-05-21 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: GA

Complaint narrative:
I'm resending my dispute letters since I didn't get the full resolution to my concern. Again, 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.

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 2024-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am writing to express my concern regarding an unresolved issue with my credit report. On XX/XX/year>, I sent a certified letter to Navy Federal containing to things within my credit report. The letter was sent via certified mail and was received by the office, as confirmed by the provided tracking information. 

Despite my request, I have not received the requested validation and demanding that the information be immediately deleted from my credit report. 

Thank you for your immediate attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: CT

Complaint narrative:
I should receive a credit for the charges of {$690.00}. 

On XX/XX/XXXX I ordered ( 3 ) formal dresses to be sent to my home. After 2 weeks my dresses were delivered- on XX/XX/XXXX. 
No dresses were found in my home vicinity or mailbox. When I checked the tracking information, it was delivered by XXXX (? ), no signature, picture, or address confirmation. I have lived at this home for 17 years and never had a delivery issue. 

On XX/XX/XXXX I contacted Customer Service to report my merchandise was not delivered and later received an email that I would not receive a credit or reshipment of the items. I replied to the email XXXX hoping they would reconsider and received no reply. 

On XX/XX/XXXX I again called Customer Service and was told I would receive a credit for my non-delivered purchases. 
On Thursday, XX/XX/XXXX I called regarding the credit not appearing on my account, I was told that information was incorrect and I would not be receiving a credit or a reshipment. I asked to speak with a Supervisor, I was told I would have to wait 10-15 minutes, I asked if the Supervisor could call me and was told the Supervisor would call me on Friday XXXX. Unfortunately, I did not receive a call. 
On Sunday, XX/XX/XXXX I visited the XXXX Macys store and chatted with the On-line Customer Service Representative she told me she could not help but I should call a number she provided and speak with a Supervisor. 

On Monday, XX/XX/XXXX I called the number provided and spoke with a Customer Service Supervisor, she was not able to help me. I finally asked to be transferred to the Credit Card department and initiated a charge dispute. 

Im hoping I can receive a credit for these dresses, this whole experience has been very upsetting and frustrating. I have been a long time Macys shopper and have always received excellent customer service for on-line and in person shopping ( including XXXX at 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 2024-05-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My federal loans are covered under full class under the sweet vs Cardona class action lawsuit. They have been fully discharged. These loans are from the same school taken out at the same time, with the same pressure to sign for them. The school has been closed. Others with loans from the same school are being discharged. School is closed due to fraud related to embezzlement of loans, such as this. I received a denial with no information as to why and these should be discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: IL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Incorrect Name - XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
on XX/XX/year> wells fargo bank returned a validly tendered credit card charge for {$660000.00} FOR INSUFFICIENT FUNDS from my vendor XXXX XXXX XXXX on my BUSINESS CHECKING ACCOUNT UNDER THE NAME XXXXXXXX XXXX XXXXXXXX despite there being sufficient available balance on the account this fact being confirmed by an agent of the said bank above on a phone conversation on XX/XX/year> on or about XXXXXXXX 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 2024-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: High Mountain Funding Inc.
State: NY

Complaint narrative:
I explained to the debt collector that I would wasnt responsible for the debt owed because I was given the car before I officially signed the agreement, at the time I had multiple troubles with the car and didnt like it, I returned the car to the dealership the dealership told me I wouldnt be held responsible for the car they was going to fix everything which was a lie. The debt collector is only reporting the collection account to 1 of the credit bureaus and the information reported is incorrect. I called three time and asked for all my documents regarding this account and its been 3 months and I havent received anything yet

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I HAVE NEGATIVE MARKS THAT ARE AFFECTING MY CREDIT DUE TO INQUIRIES THAT I DO NOT KNOW AND THAT I DID NOT MAKE. I HAVE TRIED MULTIPLE WAYS TO REMOVE IT TO IMPROVE MY CREDIT BUT NO ONE HAS BEEN ABLE TO HELP ME. I REQUEST YOUR HELP SO I ATTACH OFFICIAL DOCUMENTS, DATES AND DETAILS. THANK YOU SO MUCH. 


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

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 2024-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WI

Complaint narrative:
My account has shown " missing payments '' dates that were in fact pulled from my account. The most recent occurrence of this happened XX/XX/2024. {$200.00} withdrawn from my account via auto debit on XXXX XXXX, but when I log into my mohela account ( new platform ) it says that this payment is missing. It has said this for almost over a month. Despite it saying the payment is missing/overdue, their system also shows that the received the payment in the payment history on their webpage! What is this madness? 

I have called customer service for Mohela and they confirmed they received the payments in both of these cases. They were not sure why it was showing as missed on my account. I asked them to send me a letter certifying that I am not late on payments/ not delinquent and they have not. They just send me standard boilerplate bills showing that I am still missing payment for the date in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: TN

Complaint narrative:
I don't recall having a contractual relationship with this collection company First Credit Services. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
This is the continuation ( NOT DUPLICATE ) of CFPB case XXXX. ( Company internal case XXXX ) The reason I re-submit the complaint is that the XXXX XXXX XXXX PROMISED to send me refund check of {$1500.00}, BUT they only actually sent me check of {$1000.00}. Please see attachment of the check stub for the detailed amount info.

Company response to consumer: Closed with explanation