vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint on my behalf. I have been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notify that these accounts were in dispute plus these accounts violate the fcra and fdcpa. These accounts must be deleted immediately.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the duplicate debt collection account associated with account number [ XXXX ] in the amount of {$1800.00} that XXXX XXXX XXXX is attempting to collect. Said debt has been reported as a charge off but the original creditor while also posting as a collection to my credit report. I believe this action constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Section 623 ( a ) ( 2 ), a debt can not be reported more than once for the same delinquency. I have identified two separate entries on my credit report from XXXX XXXX XXXX ( comenity capital Bank ) for the same debt, which is a clear violation of this provision. 

I request that you investigate this matter immediately and take corrective actions to remove the duplicate entry from my credit reports. Furthermore, I insist that you provide written confirmation within 30 days that the duplicate entry has been removed, and that you have taken steps to prevent similar violations in the future. 

Failure to rectify this situation may result in legal action to enforce my rights under the FCRA. I trust that XXXX XXXX XXXX will handle this matter promptly and in compliance with the law. 

Please acknowledge receipt of this dispute letter and provide a timeline for resolution. I appreciate your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference,

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ballybunion Enterprises, Inc
State: MN

Complaint narrative:
XXXX XXXX is representing/collecting on behalf of Freedom furniture/Military Credit Services . He stated they sat on the debt to let it accrue interest then once it was maximized after 10 years they are now coming to collect. I have no memory of this transaction we are talking about almost 20 years ago. And they now are looking for 4-5x what may have been owed 15 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Purchased furniture from XXXX  XXXX XXXX during XX/XX/XXXX. Chase offered a My Chase Plan, which involved 0 % interest and no fees for 18 months with equal monthly payments. I added a My Chase Loan during XX/XX/XXXX to the credit card with no fees and 24 months of equal payments and 8.99 % interest. I submitted an " interest-saving payment, '' which the institution 's FAQ indicates the following for : Pay the interest saving balance optionwhich includes the monthly amount for XXXX  Chase XXXX  month by your due date to avoid interest charges on new purchases. When you choose the interest saving balance option, you wont pay off your entire XXXX  Chase XXXX  balance earlier than intended, and youll still avoid interest on new purchases. '' When I made a new purchase, the " XXXX  Chase XXXX, '' and subsequently paid it a few days later, the payment should've been applied to any purchases with a higher interest rate. The institution 's own FAQs indicate that I won't pay off my entire XXXX Chase XXXX balance earlier than intended. Now the institution has sent me a notification that the lower interest XXXX Chase XXXX has been paid in full. The institution does not allow customers to allocate payments to specific products and penalizes early payments. I reached out and escalated the call to no avail. By the representative 's own omission, the product is confusing and payment allocations are a fair resolution. I will be disputing the interest charges and allocation of payment. Any attempts for collections or impact to my credit should be unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
Received initial contact from COLUMBIA DEBT RECOVERY XXXX DBA GENESIS on XX/XX/2023 via email stating I had a past due balance of {$5900.00} with included interest of {$92.00} that was originally placed for collections on XX/XX/2023. Initial email received on XX/XX/2023 did not contain my rights to dispute within 30 days of receiving this email so I sent a reply to this email, along with the email on their page with a Debt Validation Letter the next day on XX/XX/2023, and today on XX/XX/2023. Their website does not allow me to update contact information or my address as it always fails to apply, this has happened on XXXX different web browser on XXXX different devices. Furthermore, they do not respond to my emails about contact information submissions and I can never get in contact with them. I have requested additional information to be sent to me to my address and also to my emails. I have not heard back from the company. Their website also refuses me with submitting disputes regarding the account balance. To summarize, I can't dispute through my preferred method of contact, I can't get in contact whatsoever, I haven't received an informal, written letter stating my rights in my hand and they haven't responded to my Debt Validation Letter submissions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 

Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be incorrect.

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 2023-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
We financed our mortgage through XXXX XXXX  and had our homeowners insurance through XXXX ( the policy was brokered and serviced through XXXX ). Our mortgage was sold from XXXX XXXX to Wells Fargo sometime last year. Evidently in the process of acquiring our mortgage Wells Fargo was not able to set up payment to our insurance company through our Escrow ( which is how we had it set up with XXXX XXXX ). We received notice in XXXX of XXXX that our policy was going to be cancelled due to non payment on XX/XX/XXXX. We contacted both XXXX and Wells Fargo XX/XX/XXXX. We advised XXXX that Wells Fargo had purchased our mortgage and gave them our mortgage information, we advised Wells Fargo who our insurance company was and gave them our policy information. We were told by both companies that there was nothing further that we needed to do and we also received a declarations page showing the renewed policy on XX/XX/XXXX. The effective dates of this policy were XXXX XXXX XXXX 

We received notice from Wells Fargo early this XXXX that our homeowners was set to expire XX/XX/XXXX and they were not able to confirm it was set for renewal. We contacted XXXX and they advised that the policy was cancelled XX/XX/XXXX. This was just 3 days after we contacted them to make sure it was set up correctly. They advised it was cancelled due to non-payment. Evidently Wells Fargo sent out payment for the full year on XX/XX/XXXX and XXXX received it on XX/XX/XXXX. XXXX said since they did not receive it by XXXX they took payment for the 2 months or so that we were covered, refunded the rest to us and left the policy as cancelled. We were not notified at this point as they thought the cancelation they sent out prior was sufficient. They said they sent us a refund of the difference to our home. We did not see the check. Perhaps we never received it or we just did not notice it when it came in the mail. We also never saw a cancellation notice. We are not denying that they sent it ; we may have not noticed it when we received it. This check was never cashed because we did not know we received it. 

Now Wells Fargo is trying to get us to pay for almost a year of replacement insurance because of the " lapse in coverage '' and XXXX will not even offer us a policy because of the same reason. We have asked both companies for an internal review and both have said they handled the situation correctly and will offer us no indemnity. I contacted an attorney to see how to remedy the situation and they advised me to put in complaints to the XXXX Attorney General. The Attorney General advised us to contact ConsumerFinance.gov. We currently own 3 homes and we have never missed a homeowners insurance payment on any of our other properties. This situation was simply completely screwed up by both Wells Fargo and 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 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I applied for a Bank of America credit card on XX/XX/XXXX to initiate balance transfer from my XXXX XXXX XXXX and was immediately approved by Bank of America. 
After getting approved for the Bank of America credit card, I set up the mobile banking app. A couple days later, on XX/XX/XXXX, I tried signing into the Bank of America mobile banking app and it wouldn't let me proceed, stating that my account was flagged for fraud, which came as a surprise since I didn't have the physical card yet and had yet to even utilize the account, nor had my balance transfer been initiated. When I called their customer service phone number, they wouldn't provide me with any information and said that I have to visit a physical branch location to resolve the issue. I was finally able to schedule an appointment and visit a branch location on XX/XX/XXXX, where the only issue was that they needed two forms of my ID to verify I was the one applying for an account - it would have been incredibly helpful if they could have disclosed this over the phone and prevented all the stress. After presenting my ID 's to them, my mobile account was unlocked, but the balance transfer still had not been initiated. 
Due to the delay in the balance transfer, I decided to take funds from my personal savings account and instead paid off the balance I was trying to transfer that was on my XXXX XXXX XXXX. I paid off this balance in full on my XXXX XXXX  on XX/XX/XXXX. I called Bank of America to advise them to cancel the balance transfer since I already made the payment and they advised me that that wouldn't be possible since the transaction was pending, they advised me to then contact XXXX to see if they would be able to cancel the transaction on their end. I called XXXX, and they were not able to cancel the transaction either. The Bank of America balance transfer was FINALLY initiated on XX/XX/XXXX and I was charged a balance transfer fee of 3 %. Since then I have called Bank of America several times asking for the transfer fee to be waived since it was an inaccurate charge and they denied my dispute of having the fee removing, and have further stated there is nothing they can do about it. For the 3 % fee, I was charged {$420.00} that was wrongfully taken from me and I did all that I could to prevent this from happening. I have paid off the entirety of the balance that Bank of America transferred ( which they shouldn't have transferred as it caused XXXX to have to write me a check for that amount ). However, I have not paid for the balance transfer fee of {$420.00} as I feel I do not owe this amount and I desperately need help getting these funds back.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: AL

Complaint narrative:
on XX/XX/2023 my cash app account was closed and XXXX was transfered from my account and i can't get my money back, and i never recieved my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT DATE : XX/XX/2022 ACCOUNT NAME:XXXX XXXX XXXX XXXX ACCOUNT DATE : XX/XX/2022 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of this notice. Ilook forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
INQUIRIES FOR ACCOUNTS THAT ARE NOT OPEN ACCOUNTS. DO NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF THEM. I APPLIED FOR A HOME LOAN THIS YEAR ( 2023 ) ONLY AND WAS DENIED DUE TO 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