vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts I have made to correct the information associated with my account. I believe it is essential to bring this matter to your attention and request prompt resolution to rectify the issues I have encountered. 

I first noticed discrepancies in my account information and immediately contacted your customer service department to address the issue. I provided the necessary details and was assured that the matter would be resolved promptly. 


Despite the assurance, the issue persisted. I made a follow-up call to your customer service, explaining the situation again and expressing my concern about the delay in resolving the issue. 
Regrettably, the problem remains unresolved despite multiple attempts on my part. The lack of progress has caused considerable inconvenience, and I am disappointed with the level of service I have received. 
I understand that errors can occur, but the repeated failures to correct a straightforward issue have raised serious concerns about the efficiency and effectiveness of your customer service process. As a valued customer, I expect a higher standard of service and a swift resolution to this matter. 

I request an immediate and accurate correction of the information associated with my account, ensuring that all details are accurate and up-to-date.

Investigation I urge your team to conduct a thorough investigation into the root cause of these repeated errors to prevent similar issues from arising in the future. 

I expect clear and timely communication regarding the steps being taken to rectify this situation. Regular updates on the progress of the resolution would be greatly appreciated. 

Given the inconvenience and frustration caused by these repeated errors, I request fair and appropriate compensation for the time and effort expended in attempting to resolve this matter. 
I trust that you will treat this matter with the urgency and seriousness it deserves. As a loyal customer, I believe in the importance of maintaining a positive and constructive relationship with your institution. 

I anticipate your prompt attention to this matter and a swift resolution. Please confirm the receipt of this complaint and provide a timeline for the resolution process. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$2000.00} ; XXXX XXXX XXXX XXXX Opened XXXXXXXX XXXX XXXX Balance : {$24000.00} ; DEPT OF EDXXXX XXXX Opened XXXX XXXX XXXX Balance : {$1400.00}.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to bring to your attention a matter of great concern related to what appears to be an ongoing and persistent issue of multiple attempts to remove fraudulent items from my credit report. Despite my previous efforts to rectify this situation, it is disconcerting to observe that unauthorized parties are making repeated and unauthorized attempts to alter my credit information. 

I wish to outline the following specific concerns : I have noticed and documented several instances where fraudulent items on my credit report have been subject to removal attempts without my authorization or validation. These unauthorized actions not only compromise the accuracy of my credit history but also raise serious questions about the security of my credit information. 

Despite the evident impact of these removal attempts, I have not been contacted by your agency for proper verification or authentication. The absence of thorough verification procedures is alarming and contributes to the ongoing vulnerability of my credit information. 

Given the persistent nature of these removal attempts, I am deeply concerned about the heightened risk of identity theft. I have taken immediate steps to secure my personal information, but I urgently request a comprehensive investigation to prevent further unauthorized alterations to my credit report. 

I formally request that your agency conducts an immediate and thorough investigation into these incidents. Additionally, I seek regular updates on the progress of the investigation, along with detailed information on any actions taken to prevent and rectify the unauthorized removal attempts on my credit report. 

To assist in your investigation, I have attached relevant documents. 

I understand the importance of maintaining the integrity and security of credit information, and I trust that your agency will treat this matter with the urgency it deserves. I am asking for your assistance to remove these fraudulent items in my credit file : DEPT OF ED / XXXX XXXX  Opened XXXX XXXX, XXXX  Balance {$0.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX  Balance {$0.00} ; XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Opened XXXX XXXX, XXXX  Balance {$760.00} ; XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX XXXX Balance {$370.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX IS REPORTING A FRAUDULENT ACCOUNT AND I WAS A MEMBER UNDER THE DATA BREACH FOR XXXX XXXX, XXXX XXXX  AND MORE IDENTITY THEFT THIS ACCOUNT AND BALANCE DO NOT BELONG TO ME

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 2024-01-17 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: CA

Complaint narrative:
XXXX XXXX XXXX IS REPORTING A FRAUDULENT ACCOUNT AND I WAS A MEMBER UNDER THE DATA BREACH FOR XXXX XXXX, XXXX XXXX AND MORE IDENTITY THEFT THIS ACCOUNT AND BALANCE DO NOT BELONG TO ME

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. 
Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recieved letters ffrom the XXXX bureaus saying I'm using or hiring credit repair company to send out letters and file complaints, which is wrong bcause I'm doing or sending letter to the bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
15 USC 1681 ( a ) ( 1 ) ( A ) : The specific provision is part of the introductory section of the FCRA and states the following : ( a ) Accuracy and fairness of credit reporting : ( 1 ) In general : ( A ) Accuracy and fairness of credit reporting : Consumer reporting agencies must maintain reasonable procedures to ensure the accuracy and fairness of the information they collect and report about consumers. These agencies play a crucial role in providing credit reports to lenders and other entities, and this provision emphasizes the importance of accuracy and fairness in the information they compile.

Practical Implications : Accuracy Requirements : Consumer reporting agencies are required to take steps to ensure that the information they report about consumers is accurate and up-to-date.

Fairness Requirements : In addition to accuracy, the FCRA emphasizes the importance of fairness in credit reporting. This includes ensuring that reported information is not only accurate but also fair and just in its representation of a consumer 's creditworthiness.

Consumer Rights : Consumers have certain rights under the FCRA, including the right to dispute inaccurate information on their credit reports. If inaccuracies are identified, the consumer reporting agency must investigate and correct them.

Responsibilities of Consumer Reporting Agencies : This provision places a responsibility on consumer reporting agencies to establish and maintain procedures that reasonably ensure the accuracy and fairness of the credit information they handle. 

It's important for consumers to be aware of their rights under the FCRA and to review their credit reports regularly for accuracy. If inaccuracies are found, they have the right to dispute and seek corrections. Additionally, the FCRA imposes obligations on consumer reporting agencies to handle information in a manner that is both accurate and fair to 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 explanation
Consumer complaint received 2024-01-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Completed a dispute by mail form but no acknowledgement from Capital One. I am hearing impaired and have no other means to contact them. No online chat or secure email to the. Noticed an email in my spam folder about this account statement due so I logged in. Have not used the card and can not find the card so it is STOLEN/LOST. I locked the card when I seen the account was breached. Dispute and send new cards please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Total Card, Inc.
State: CA

Complaint narrative:
Debt owed to original company was charged off, paid, then sold. I'm not liable for this debit with XXXX XXXXXXXX XXXX XXXX. I do not have a contract with the collection agency that's trying to collect this debt. They did not provide me with the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
The debt was charged off, paid, then sold. I'm not liable for this debit with XXXX XXXX XXXX XXXX. I do not have a contract with the collection agency that's trying to collect this debt. They did not provide me with the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recieved letters ffrom the XXXX bureaus saying I'm using or hiring credit repair company to send out letters and file complaints, which is wrong bcause I'm doing or sending letter to the 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 2024-01-17 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: GA

Complaint narrative:
I am asking that all listed accounts and inquiries be noted as not mine and listed in error on my credit reports. Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$990.00} XX/XX/XXXX Collections : XXXX  {$1100.00} XXXX XXXX XXXX 
Please delete these accounts from my reports.

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 2024-01-17 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: HI

Complaint narrative:
15 USC 1681 ( a ) ( 1 ) ( A ) : The specific provision is part of the introductory section of the FCRA and states the following : ( a ) Accuracy and fairness of credit reporting : ( 1 ) In general : ( A ) Accuracy and fairness of credit reporting : Consumer reporting agencies must maintain reasonable procedures to ensure the accuracy and fairness of the information they collect and report about consumers. These agencies play a crucial role in providing credit reports to lenders and other entities, and this provision emphasizes the importance of accuracy and fairness in the information they compile.

Practical Implications : Accuracy Requirements : Consumer reporting agencies are required to take steps to ensure that the information they report about consumers is accurate and up-to-date.

Fairness Requirements : In addition to accuracy, the FCRA emphasizes the importance of fairness in credit reporting. This includes ensuring that reported information is not only accurate but also fair and just in its representation of a consumer 's creditworthiness.

Consumer Rights : Consumers have certain rights under the FCRA, including the right to dispute inaccurate information on their credit reports. If inaccuracies are identified, the consumer reporting agency must investigate and correct them.

Responsibilities of Consumer Reporting Agencies : This provision places a responsibility on consumer reporting agencies to establish and maintain procedures that reasonably ensure the accuracy and fairness of the credit information they handle.

It's important for consumers to be aware of their rights under the FCRA and to review their credit reports regularly for accuracy. If inaccuracies are found, they have the right to dispute and seek corrections. Additionally, the FCRA imposes obligations on consumer reporting agencies to handle information in a manner that is both accurate and fair to 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 explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
The initial complaint ID is XXXX for this issue that was still not resolved as a check was not received. 

The {$100.00} pre-paid card was only able to be used in store and not with any of the online stores I needed to purchase on. The card had {$68.00} balance and AMEX had replied in XX/XX/XXXX stating a refund check was being mailed. However, this was never received. As a result, the card was closed, so now no working card and no refund check. 

Amex can see that the check was never deposited. So we are not losing {$68.00}, I ask if the original check can be cancelled and a new refund check securely mailed. Worse experience ever with a gift card company. I've had to warn family members about choosing Amex for gifts due to this frustrating experience of feeling ripped off. 

My XXXX daughter got XXXX of these gift cards for XXXX that was purchased before our family member was informed of these online purchasing problems. My daughter tried to buy shoes online and of course the card won't work. But this is another separate issue that she'll need to contact about. 

I'm hoping Amex can cancel the first and lost {$68.00} check, and send a new one to the address indicated on file.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AE

Complaint narrative:
To whom it may concern, I am writing to file a complaint against Wells Fargo regarding an unauthorized wire transfer that has resulted in substantial financial loss. I am an XXXX XXXX XXXX  protected under the Servicemembers Civil Relief Act ( SCRA ) and military consumer protection and had taken proper steps within regulation in order to recover the loss. 

Details of the unauthorized transfers are as follows : Background : The victim encountered a scammer on XXXX XXXX on XX/XX/XXXX, who later moved the communication to XXXX. Over the course of a month, the victim was enticed into investing in virtual crypto mining with promises of high returns. As the victim grew suspicious and determined that this was a scam, any further authorization for the transaction was suspended promptly to prevent further information loss. It is believed that the scammers may have worked in teams, employing hacking and other tools to access the victim 's banking and personal information, including the location. The victim had asked the only family member who had authorization for the victim 's account regarding making any further transactions, and the family member did not initiate any. 

Bank 's Involvement : Despite the victim 's suspension of actions and contacting the Wells Fargo Fraud Center, the bank did not appear to be aware of the breach and allowed unauthorized electronic transfers to take place. Wells Fargo seemingly failed to detect the breach, even though a checking call was made from the bank to verify the actions, indicating a lapse in security. Wells Fargo claims that the verification is based on the remarks of transactions made for tuition related. The victim, however, is entitled to receive GI bills for education and has no intent nor needs at the moment during the XXXX XXXX  to involve uncertain high return investments, especially during the period when the macroeconomic condition is severely risky. 

Financial Loss : The victim incurred a significant financial loss of approximately {$90000.00} to {$100000.00} from XX/XX/XXXX to the present, with a specific loss of {$75000.00} from Wells Fargo. 
I have already taken appropriate steps by filing a police report and an FBI online fraud complaint. As an XXXX XXXX XXXX XXXX, I am aware that I am entitled to protection under the SCRA and military consumer protection, as well as reported to the cyber safety manager within the organization, and this unauthorized transfer raises concerns about the security measures in place at Wells Fargo. 

I kindly request the CFPB to investigate this matter thoroughly and take appropriate actions to address the financial exploitation and breach of security by Wells Fargo. 

Thank you for your prompt attention to this matter.

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