vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 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: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-11-12 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: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX I received an email from XXXX XXXX XXXX XXXX a third party debt collector stating that I owed AFFIRM {$100.00} on an account ending in XXXX. The {$100.00} was paid in full on XX/XX/XXXX over the phone with an AFFIRM customer service representative who willingly took the payment. The representative never mentioned the debt was in collections. 

I immediately disputed the debt via XXXXXXXX XXXXXXXX XXXX  on XX/XX/XXXX and asked that they provide verification that I owed said debt. I also followed up with a written letter sent via USPS. On XX/XX/XXXX, the debt came back as verified. I contacted AFFIRM via email and phone to see if this issue could be taken care of on their end. They told me I had to dispute with XXXX XXXX, even though they understood that the {$100.00} was paid with an AFFIRM customer care representative. Between XX/XX/XXXX and XXXX, there has been correspondence between AFFIRM, XXXX XXXX and myself. The latest email from AFFIRM customer care stated that the {$100.00} was paid and that they suggest I contact XXXX XXXX XXXX XXXX, so they can verify the new status of this loan and ensure there's no outstanding debt. I then emailed XXXX XXXX XXXX XXXX AFFIRM 's response to no avail. All I'm asking is that the debt in collections be cleared from XXXX XXXX XXXX XXXX database because the {$100.00} was paid XX/XX/XXXX, I heard from collections XX/XX/XXXX, I didn't receive notice that it was in collections until XX/XX/XXXX. The collection has been added to my XXXX Report and has been detrimental to my overall credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have a XXXX credit card issued by Wells Fargo Bank. And the autopay of this credit card has never succeeded while I have experienced the overdue pay twice without receiving any notification from XXXX or Wells Fargo until I find it myself -seeing my credit score decreased a lot by myself. 

I have tried to contact both XXXX credit card and Wells Fargo Bank to get help for at least 3 times. The Wells Fargo asked me to delete the non Wells Fargo I added and re-add them. They insisted say there would be a verification process - direct deposit to my non Wells Fargo account so that I can use to verify my account. But after the try three times, I have never received the direct deposit and the verification has never succeeded. Every time I need to have a call and wait for around 1 hour with them but they never try to help the problem. They just asked me to wait for long time- like 1 hour and hang up again and again.

The process of Wells Fargo side to verify on adding a non Wells Fargo account never succeeded. They are not helpful to solve the problem. They are trying to ask people to create a Wells Fargo checking account in this way if they dont want to help with solving the non Wells Fargo auto pay problem.

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 2024-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
I received a letter from NCB Management Services Inc to resolve/settle a debt for over XXXX XXXXXXXX that was previously held by a company named XXXX XXXX XXXX XXXX i have never done business with. When i searched XXXX XXXX XXXX i see that they are not closed/out of business and that they have several reviews about sending people demand letters for loans they did not take out with them. I contacted NCB Management Inc to tell them this information and to let them know this is not my debt and i have never done business with XXXX XXXX XXXX and have not gotten a response. Neither of these companies seem to be doing legal practices. Other people should be warned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: AL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX and Equifax credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: VA

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
All of the payments that were sent to me through PayPal were from random people. Then I was to sent those payments to my checking account then send those on to XXXX XXXX  do I should not owe anything to anyone. Everything should have been cancelled because come to find out this was all a big scam

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: GA

Complaint narrative:
XX/XX/year> Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration and disappointment with the ongoing inaccuracies and lack of resolution regarding my XXXX XXXX  XXXX account, number XXXX. Despite numerous attempts to rectify these issues, both directly with XXXX XXXX XXXX and through previous complaints to the CFPB ( XXXX XXXX XXXX ), the problems persist. 

This issue has persisted for over 195 days, causing significant stress and financial hardship. I implore the CFPB to take immediate action to resolve this matter and hold XXXX XXXX  XXXX accountable for their repeated failures to correct these inaccuracies. 

Specific Issues : Incorrect Account Status : The account is erroneously marked as " Charged Off/Never Late. '' This is contradictory and misleading, and may violate 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ).

Inaccurate Balance Reporting : The reported balance of {$150.00} is inconsistent with the {$450.00} written off. This discrepancy may violate 15 U.S.C. 1681i ( a ) of the FCRA.

Misleading Payment History : The payment history provided is confusing and does not accurately reflect the true payment timeline. This may violate 15 U.S.C. 1681e ( b ) of the FCRA.

Incorrect Closure Reason : The stated reason for closure, " closed at credit grantor 's request, '' is inaccurate and misleading. This may violate 15 U.S.C. 1681e ( b ) of the FCRA.

Impact on Credit Report : These inaccuracies have negatively impacted my credit report, hindering my ability to obtain credit, housing, and other financial services.

Previous Attempts and Lack of Resolution : I have previously contacted XXXX XXXX XXXX  to dispute these issues. Despite assurances from their representatives that they would investigate and resolve the matter, no corrective action has been taken. I have attached copies of emails and correspondence to substantiate these claims.

I demand that the CFPB take immediate action to resolve this matter within 14 business days. This includes investigating the inaccuracies, ensuring that my credit report is corrected, and holding XXXX XXXX XXXX accountable for their repeated failures to comply with fair credit reporting practices, specifically 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681e ( b ) of the FCRA. 
Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: TN

Complaint narrative:
I received yet another letter on XX/XX/year> case XXXX, and rthey are refusing to mail it to my home address. i have asked to have my report mailed to my home address multiple times. Please have them mail it by certified mail to my address. iIdo not want online access. I need it mailed thru the XXXX XXXX XXXX. They have failed to comply with my request to have my credit report mailed to me as I do not have an online account and never had one with them and dont want one with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This is not my debt! This is the debt of my ex-wife. I repeat this is not my debt. My ex-wife XXXX XXXX took my information and got an apartment in my name without my Knowledge or consent. 


This company has not provided any documentation or proof of this alleged debt because it is not mine, and I did not open these accounts Nor did I have any knowledge of them. Please delete off my credit report. Thank you

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 2024-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Blockchain.com, Inc.

Complaint narrative:
I have used this company for many years and been verified for years. Last month they suddenly put my account into a XXXX XXXX XXXXXXXX ' stating that they can send my assets to the defi wallet if I contact customer support. I contacted customer support firstly to ask them to sort out my verification and let me access my assets as there was no reason for the sudden block on my account. After weeks of no response or update I just simply asked them ( many times ) to transfer over to my XXXX account so that I have control over my assets, and can send them to another wallet that I can use. They just keep repeating the same automated email about it being in the right hands and they will sort it as soon as they can. This isn't good enough and is clearly a robot response. They are not giving me access to my funds and are not holding up their responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: WA

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$4200.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00}

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 2024-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
They created a site that looked very similar to XXXX. 
Paid for concert tickets. {$1200.00} Used Zelle via XXXX XX/XX/year> was date Sent to phone number XXXX Person scamming used XXXX account XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: Fidelity National Information Services, Inc. (FNIS)
State: IA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, I am writing to request an investigation of the following accounts I have NEVER opened or used the accounts listed below Im requesting the following information to be deleted from my early warning consumer report immediately I attached a copy of my report to this request The accounts consist of an Bank account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX, an bank account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX and the unauthorized inquiries

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 2024-11-12 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: FL

Complaint narrative:
I am asking for removal of negative accounts that are connected to a unauthorized fraud address that is 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 non-monetary relief
Consumer complaint received 2024-11-12 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: FL

Complaint narrative:
I am asking for removal of negative accounts that are connected to a unauthorized fraud address that is on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Transunion, regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I discovered discrepancies in the following account ( s ) : XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request Transunion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

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 2024-11-12 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: WI

Complaint narrative:
Today XX/XX/XXXX i was the victim of a robbery where i was stripped of all my documents and banking information. Because of this, i decided to review my credit report and i noticed some inquiries that were made without my consent. I apreciate your help in removing this from my records. 
the Inquiries are as follows : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XXXX XXXXXXXX XXXX XXXX XXXX ADDED A COLLECTION/Charge-off to my credit report. For amount of {$2200.00}.

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 explanation
Consumer complaint received 2024-11-12 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: AZ

Complaint narrative:
I reported to Transunion, XXXX and XXXX credit bureaus that XXXX XXXX XXXX  XXXX XXXX had a delinquent account on my credit report that was " Included in my XXXX  XXXX bankruptcy '' in 2022 and the delinquent account should be removed from my credit report. The credit bureaus refused to remove the delinquent account. I contacted XXXX XXXX XXXX XXXX and asked them to remove the delinquent account from my credit report and they have refused. The delinquent account is damaging my credit score and this is being done on purpose by the credit bureaus, who are being paid by XXXX XXXX and it is being done deliberately by XXXX XXXX to punish me for filing bankruptcy and to make me pay higher interest for any loans and credit cards I may apply for. It is discriminatory against XXXX consumers because XXXX consumer pay higher interest for loans than their counterparts because of corporate predators.

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 2024-11-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This is not my debt! This is the debt of my ex-wife. I repeat this is not my debt. My ex-wife XXXX XXXX took my information and got an apartment in my name without my Knowledge or consent. 


This company has not provided any documentation or proof of this alleged debt because it is not mine, and I did not open these accounts Nor did I have any knowledge of them. Please delete off my credit report. Thank you

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