vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
On XX/XX/year> I went on my consumer report and saw the account collection management on the consumer report. I have no knowledge of this account I have not received anything concerning this account and that is illegal under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I got an order cancelled on XX/XX/XXXX which the store did not gave me refund and I called PayPal to solve the problem. They gave me the refund for resolution problem on XX/XX/XXXX ( {$250.00} ) but the store, after days also gave me the refund and it was adjusted and updated by PayPal on XX/XX/XXXX. PayPal charged me the same amount on XX/XX/XXXX because I had one extra refund.

I already paid off my credit card but the amount still there even I got the refund for me to pay.

I called them three times and they did not solve the problem and still charging me on my balance the amount that was already refunded.

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 2024-08-14 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:
In XXXX  a trip was purchased using XXXX which was subsequently cancelled due to COVID and mandatory quarantine. The original travel agency then credited back the amount of the trip but after reviewing my credit reports I noticed XXXX  then reported collections on XX/XX/XXXXXXXX  through XX/XX/XXXXXXXX  ( after I contacted them several times to explain what happened and how the trip was credited back ). Also they reported CO for XXXX XXXX and there after reported collections for XXXX XXXX XXXX. 

After having no relief from the crediting company XXXX I filed several disputes with the credit bureau 's and it was not handled effectively, and it resulted in no change on my credit report. 

I am demanding this is deleted from my credit reports after inefficient investigations. They also refused a reinvestigation.

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 2024-08-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX a trip was purchased using XXXX which was subsequently cancelled due to COVID and mandatory quarantine. The original travel agency then credited back the amount of the trip but after reviewing my credit reports I noticed XXXX  then reported collections on XX/XX/XXXX through XX/XX/XXXX ( after I contacted them several times to explain what happened and how the trip was credited back ). Also they reported CO for XXXX XXXX and there after reported collections for XXXX XXXX XXXX 

After having no relief from the crediting company XXXX I filed several disputes with the credit bureau 's and it was not handled effectively, and it resulted in no change on my credit report. 

I am demanding this is deleted from my credit reports after inefficient investigations. They also refused a reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
I made a transaction from XXXX  XXXX XXXX XXXX XXXX XXXX on XX/XX/year> utilizing the Zelle platform thru my banking app under account ending in # XXXX for a payment amount of {$1200.00}. Not realizing I was sending to the wrong account I sent it to an account at XXXX XXXX  XXXX XXXX XXXX  with an account number ending in # XXXX. This account was closed last month, on XX/XX/year> as a forced close because of a negative balance for too long time. Because Zelle is instant, the money came out my account right away, and I received confirmation from both XXXX  XXXX XXXX and XXXX XXXX  that the payment had been sent and received. I have called both banks to rectify this and XXXX  XXXX XXXX says they cant do anything because its instant, and associated has given 2 possible outcomes of what will happen, but that they can not even see record of this payment. I have even provided the conformation/aft authorization number as well as the trace number. I am receiving no answers from anyone. Zelle will not help as the payment was made through a partner bank and not the Zelle app. I would like to know where my money is because someone has it and I need to get it back. 
Trace no XXXX Confirmation/AFT Authorization No XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: TX

Complaint narrative:
I requested that a few accounts on my credit file with Equifax be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I sent my client a {$1200.00} invoice with JP Morgan Chase 's payment link to charge my client for the services I provided to him. The client paid the invoice amount through the payment link. However, We Pay Inc, the payment processing services under JP Morgan Chase thought this payment is high risky. They simply closed my We Pay account. And said they will withhold that payment for 120 days as reserve. And they did not provide further communication or any detailed information after that. I think this is illegal. There is no reason for them to withhold that payment for 120 days if they can not process it. It should be sent back to payer. I just started my business and everything is legal.

We Pay Inc even doesn't have a phone number for the communication. This JP Morgan Chase payment processing company is a totally fraud or scam.

Please see attached docs about this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is continuously reporting FRAUDELENT AND INACCURATE information after being notified orally, via mail and electronically that Consumer 's Credit file has these discrepancies. Pursuant to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors ; A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Equifax is reporting an inaccurate name, an inaccurate address and several inquires including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Consumer has suspicion their information has been compromised by EQUIFAX, therefore therefore Consumer has filed an Identity Theft Report with the FTC. Section 605b focuses on blocking information on a consumers credit report that is the result of their identity being stolen. Once the consumer has provided the needed documentation to the credit bureau, the bureau first must block the information within four business days of the consumers initial report and submission of proof of identity theft. Then, the credit bureau must notify the furnisher of the information that it has been blocked due to identity theft. Once the information has been blocked and the furnisher has been made aware of the situation, the credit bureau must follow up with the consumer and provide final confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-08-14 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: NC

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information 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 2024-08-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: AL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-08-14 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 respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-08-14 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: VA

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-08-14 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: EQUIFAX, INC.
State: MA

Complaint narrative:
These inquiries were not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
Hello, I am an upset user on Venmo. I have {$XXXX} still stuck in my Venmo account due to my account being flagged as suspicious even tho I havent did anything at all, this problem has been ongoing since XX/XX/year>, yesterday XX/XX/year> my issue was resolved & my account was unfrozen but I couldnt use any of my debit cards to instantly transfer the funds from my account. So I was forced to use the standard Transfer method, then once again last night around XXXX am whilst I was sleeping, I received yet another email from Venmo stating that my account is once again being flagged for unusual activity & that its being suspended once again which prompted the standard transfer to be cancelled, i am quite furious because of this, I have bills to pay but its like Im playing Tug of war with my own money with you guys, this is absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
1.Even though I have requested several times, Wells Fargo ( XXXX XXXX XXXX XXXX ) refused to advise me IP address, device name, location and time/date of 2 unauthorized bill pays due to their policy.

It is against EFTA regulation E.

PLEASE SEND ME IP ADDRESSES, DEVICE NAMES, LOCATIONS and TIME/ DATE of 2 unauthorized bill pays and bill pay add. PLUS ALL THE PAPERWORKS PLEASE! 

2.XXXX XXXX XXXX XXXX  at Wells Fargo is not capable to handle investigations. Their default decision is same. ( transactions were made in secure online banking session. There was no fraud????? Case is closed. ) I wonder they did really investigation. It seems they are working from home. How can they investigate from home? They call for nothing sometimes.

Please let other capable department ( not subcontractor ) reinvestigate.

3. In addition to no IP etc, Wells Fargo does not send all the paperwork they used.

4.Nobody cares about temporary credit I deserve. 

Stop my suffering by refund of XXXX XXXX  -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From my Wells Fargo online account, I found in the morning of XX/XX/year>, 2 unauthorized bill pays ( XX/XX/year> : {$3100.00} and XX/XX/year> : {$700.00} ) were made. I went to local branch and filed a fraud claim ( case no.XXXX  ). 

On XX/XX/year>, 10 business days later, while chatting online about refund, Wells Fargo said they can not refund because they thought I myself made online banking session. I did not. I found that above 2 bill pays went to XXXX XXXX Credit Card account owned by XXXX XXXX with no XXXX according to proof of payment history on my online account.

Please help me get this money back ( total {$3800.00} ).

I filed a couple of affidavit of online fraud forms. 
Wells Fargo can ask a reverse payment to XXXX XXXX and refund me. I do not know XXXX XXXX XXXX  credit card customer.

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 monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them

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 2024-08-14 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: CA

Complaint narrative:
Kindly update my account this causing me a lot of stress and 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 2024-08-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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 explanation
Consumer complaint received 2024-08-14 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: PA

Complaint narrative:
I am writing to follow up on a dispute I previously raised concerning a negative item on my credit report. Despite multiple attempts to have this matter resolved, the item continues to be inaccurately reported across all three credit bureaus.

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 2024-08-14 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:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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