vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
Be aware that this is a notice to Caine Weiner for the following alleged debt with account number : XXXX from progressive. As of right now I have requested that this company cease all communication as described in the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA describes communication as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is a medium of which this company is chossing to communicate with me. I did not get them written consent to do so. Pursuant to 15 U.S. Code 1692c this is a notice to cease all communication including credit reporting except that you may communicate with me under the stipulations of responding to a complaint from the consumer financial protection bureau ( cfpb ). If it does not stop I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/23 I submitted my dispute letter advising the finishers are reporting inaccurate information I have filed and fraud report and sent them before of the unauthorized accounts there havent accepted my dispute letter and keep telling my a third party company may have sent them a dispute letter when I was the one who sent it with my personal documents drivers license, social security number & proof of residence

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 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE UPDATE MY INFORMATION ON YOUR SYSTEM, AND PLEASE MAKE IS ACCURATE, ALL THE NEEDED DOCUEMNTS ARE ATTATCH BELOW, PLEASE. 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 2023-11-16 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The creditor conducted this inquiry without proper authorization, and it must be removed 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 2023-11-16 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: IL

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
A line of credit was set up without my authorization by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
I have disputed this debt multiple times with the creditor ( by phone and in writing ) and with XXXX. Each time this company removes the delinquency but then reports it again as delinquent 60 days later. They have never proven that I authorized this line of credit because I did not. XXXX has failed to get them to provide any proof that I owe this debt. I have documentation from my insurance company that they negotiated and paid the charges so I dont even owe the amount being charged ( see attachments ). They have never tried to resolve this issue with me or XXXX XXXX XXXX despite me calling and writing to dispute the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX through XX/XX/2023 I was charged approximately {$430.00} in charges I did not make her authorized via XXXX XXXX from my debit card through time first transaction 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 The dispute case number with XXXX XXXX XXXX XXXXXXXX They're stating that there was no error and that they were not reverse the charges even with a police report sent to them about the charges being broken

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Upon reviewing your response, I have several concerns and disputes related to the handling of my account. Firstly, I did not receive an Initial Demand Letter via email on XXXX as stated in your letter. Please verify and confirm the accuracy of the email address on file to ensure proper communication.request a detailed explanation of the process TSI followed in placing account XXXX XXXX on my credit profile in a disputed status. It is crucial that this information is accurately reflected on my credit report. 

Lastly, I appreciate the documents enclosed with your letter. However, I would like a more detailed breakdown of the validation information for a better understanding of the specifics surrounding my account. 

And I would like to receive a copy of your surety N.J. bond license and NJ debt collection licensed that you're licensed to collect debt in the state of NJ and it was valid when you inserted a collection on my consumer 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 2023-11-16 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My report should not have a certain account on each report. Ive paid all that I owed.

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 2023-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TX

Complaint narrative:
I requested a refund of payments I made towards my federal student loans during COVID on XXXX XXXX XXXX totaling {$11000.00}, through EdFinancial 's customer service form online. On XX/XX/ I received an email response from EdFinancial 's Customer Service ( XXXX XXXX saying that the refund had been requested. On XXXX XXXX XXXX  the {$11000.00} was added back into my owed loan balance but I had not yet received a refund. I responded to the email chain saying my loan balance had been adjusted but that I had never received a refund. I also submitted the same information through EdFinancial 's customer service form online ( however, they do not provide any confirmation of the submission through their online portal ). I have received no response from EdFinancial for almost a month despite the fact that the {$11000.00} is now added back into my loan balance, accruing interest. Currently, I have essentially lost {$11000.00} with no communication on when I can expect to receive it or whether EdFinancial even has any plans on making the refund payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I am writing to dispute the late payment entries on my credit report associated with my account XXXX. I appreciate your attention to this matter and request that you investigate the reporting of these late payments. CITIZENS ONE XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or CITIZENS ONE customer service representative. I kindly request that you conduct a thorough investigation into the reporting of the late payments and update my credit report accordingly. If the investigation confirms that the late payments were reported in error, I request that you promptly submit the necessary corrections to the credit reporting agencies. Please provide me with written confirmation of the results of your investigation and any actions taken to rectify the reporting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XXXX XXXX I was approached by XXXX teenagers while on my walk from work and they asked me if I would donate to their youth basketball team. I said Im sorry I do not have any cash on me. They said if you have XXXX or cash app we can accept that as well. I said okay and pulled up my Wells Fargo app which is connected to XXXX. I pulled up the screen where it says to put who you want to send the money to. They said let me see your phone and we will put in our schools information. I handed them the phone and the XXXX teen was talking to me about his college plans. They handed me the phone to send an amount and all of a sudden I get an email confirmation from Wells Fargo saying I authorized a money transfer using XXXX to someone named XXXX XXXX who Im assuming is the teen who sent the money. I looked up and they were gone. I called Wells Fargo immediately and they filed a claim. XXXX weeks later Wells Fargo said there was nothing they can do.

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 2023-11-16 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: CA

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: FL

Complaint narrative:
The addresses reported on my credit report are not mine. XXXX completely ignored our request to remove the wrongly reported address. I am in the process of buying a house and this is causing dearly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: IL

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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
Consumer complaint received 2023-11-16 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: TX

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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 2023-11-16 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:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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 2023-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Credit Network Inc
State: WA

Complaint narrative:
XXXX - tried to call on 4 different times and it did not happen. 
Tried to call on another day last month in XXXX and the same thing. I did not get an answer or any information. Did not know about being able to dispute either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: FL

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents 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 2023-11-16 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: MO

Complaint narrative:
I'm contacting you because I found information that is inaccurate on my credit report. I do not believe these accounts were paid late. In accordance to the Fair Credit Report Act this creditor has violated my rights.15 USC 1681 Sec 602 States I have right to privacy. 15 USC 1681 604 ( A ) Sec 2 States a consumer reporting agency can't furnish an account without my written instruction.

15 USC1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-11-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I received a fraudulent debt collection notice from Columbia Debt Recovery XXXX, dba Genesis on XX/XX/XXXX via email. 

This is for a rental property I stayed in over a year ago in XXXX XXXX. I have written confirmation that all payments were made before I left the rental property and moved to XXXX. 

The amount the building management wanted me to pay {$4000.00}. We paid that amount fully as follows and are attaching proof of payment for the same : XXXX ( me ) : {$1900.00} - paid on XX/XX/XXXX XXXX ( roommate ) : {$2000.00} - paid on XX/XX/XXXX When I searched on XXXX for this company, I saw a ton of reviews saying that XXXX ( the landlord ) and Genesis work in cahoots to scam innocent people like me. I think this is a broader collusion and there needs to be an investigation. 

I can provide all relevant evidence, please email me and I will be happy to help. 

I am most concerned of the impact on my credit score and want to block them for reporting it. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
My loan payments are not systematically applied to principle and interest despite no change in interest rate. The application of payments that should go to principle but are instead going to interest have increased the cost of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: CT

Complaint narrative:
Experian has a bankruptcy that does not belong to me and I have contacted them many times about this XXXX XXXX has removed it from my consumer report however they continue to verify the information as being mine although I have mailed Experian the letter that XXXX XXXX has sent me. They wait 2-3 days before thd 30 days are up and verify the information is mine I have been going thru this nightmare for over a year.

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 2023-11-16 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: NJ

Complaint narrative:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief