vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 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: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
This is a follow up to complain ID XXXX. I have reviewed Wells Fargo 's response and I disagree with their assessment. They are asking me to provide proof of a {$280.00} taxi ride which I did not and could not have reasonably received. If a scammer is intent on robbing someone, they are not going to give evidence to the victim. That would be equivalent to a robber leaving their name and number at someone's house after stealing from it. 

Additionally, I have asked for the recorded transcripts numerous times and have received nothing. Why is that? I reported the scam the exact day it happened, hence why my card was turned off on that day. I was told on the phone this charge would not go through, yet it did anyway despite it being in pending status when reported. Please provide all the call transcripts that I've had with your fraud department, especially including the day of the scam.

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 2024-11-06 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: VA

Complaint narrative:
I did not authorize XXXX  XXXX to run my credit in XX/XX/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 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NV

Complaint narrative:
The collection from Jefferson Capital Systems, located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, is appearing on my credit report and negatively impacting my credit score. I have made multiple attempts to request validation of this account, but they have not responded to any of my requests. Under the Fair Credit Reporting Act ( FCRA ), they are required to respond to my validation letter, yet I have received no reply. 

Additionally, credit bureaus like XXXX and XXXX continue to verify this information without proper validation, which is misleading and unfair. Both Jefferson Capital and the credit bureaus have failed to provide the necessary verification, which has only further harmed my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was given an {$1000.00} American Express prepaid card ( expiration date : XX/XX/XXXX ) as a gift prior to a XXXX  XXXX some time ago. I never used the card and placed it in a drawer and saved it for a large purchase later. I recently tried to use the card and it was declined. I called American Express gift card customer care on XX/XX/XXXX and they informed me that the entire balance was sent to the California State Controller 's Office Unclaimed Property Division as unclaimed property, and that I had to contact them to get the funds back. I called the state 's unclaimed property division on the same date, and they have no record of the card 's funds being sent. They could not help me and told me to call American Express back and get any info I could on the transaction info ( dates, records, any paperwork, etc ) and American Express basically told me they couldn't help me either. The American Express customer care representative I spoke to was extremely rude, dismissive and unhelpful with assisting in any obtaining info on the decision to send the funds to the state as unclaimed property and would not issue me another card or check for the lost funds. So, in short I am stuck between two entities that claim they supposedly can't help me, nor issue me a refund for the lost funds from a card that is not expired and was sent to the state as unclaimed property completely without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: MA

Complaint narrative:
All transactions and charges on this account are fraudulent. I never benefited from any of these transactions. I need these fraudulent transactions to be removed from my credit report to prevent further fraudulent activity of my information.

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 2024-11-07 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-06 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: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TRANSUNION will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX ( account number 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 2024-11-06 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:
I am filing a formal complaint regarding FCRA violations on my credit report. After disputing XXXX XXXX - XXXX last month, the account was removed but has since been re-added without prior written notification, which is required by law. 

Additionally, XXXX  XXXX - XXXX is still reporting a balance, despite having been sold to the same collection agency now reinserted on my report, leading to duplicate reporting. Both accounts must be removed due to inaccurate and misleading information. 

XXXX also failed to validate this information as accurate within the 30-day FCRA dispute period. Please correct this promptly to avoid further action. I have attached proof that the account was deleted and re-inserted. 

Please reference XXXX v. XXXX XXXX XXXX, XXXX ( XXXXXXXX XXXX XXXXXXXX ) and XXXX v. XXXX, XXXX, and Trans Union XXXX XXXX. XXXX XXXX ) where courts have upheld consumer protections under the FCRA related to re-insertion without notification and double reporting.

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 2024-11-06 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:
I am filing a formal complaint regarding FCRA violations on my credit report. After disputing XXXX XXXX - XXXX last month, the account was removed but has since been re-added without prior written notification, which is required by law. 

Additionally, XXXX  XXXX - XXXX is still reporting a balance, despite having been sold to the same collection agency now reinserted on my report, leading to duplicate reporting. Both accounts must be removed due to inaccurate and misleading information. 

XXXX also failed to validate this information as accurate within the 30-day FCRA dispute period. Please correct this promptly to avoid further action. I have attached proof that the account was deleted and re-inserted. 

Please reference XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( XXXXXXXX XXXX XXXXXXXX ) and XXXXXXXX XXXX XXXX, Experian, and XXXX XXXX XXXX XXXX. XXXX XXXX ) where courts have upheld consumer protections under the FCRA related to re-insertion without notification and double reporting.

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 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2024-11-07 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: FC HoldCo LLC
State: VA

Complaint narrative:
am disputing XXXX hard credit marks on my credit report. I did not remember me giving any permission to any agencies to perform a hard credit on my report. 
XXXX XXXX flagship XXXX XXXX XXXX XXXXXXXX am asking that these information be remove from my report. 
thanks, 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 2024-11-07 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: Larry H. Miller Group of Companies
State: VA

Complaint narrative:
am disputing XXXX hard credit marks on my credit report. I did not remember me giving any permission to any agencies to perform a hard credit on my report. 
XXXX XXXX XXXXXXXX  prestigue finanacial XXXX  XXXX am asking that these information be remove from my report. 
thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: PA

Complaint narrative:
Ive noticed unauthorized hard inquiries on my credit report that conflict with 15 USC 1681b ( c ) ( 2 ). These are affecting my credit, so please remove them 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 2024-11-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I signed up for a same as cash credit card with rooms to go. Now they are charging me a monthly fee.

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 2024-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
For over the past year, this company has been harassing me with phone calls, text messages, and mail after I asked for them to stop. Also, they never responded to my request for proof of the account they had unlawfully put on my credit report. I have filed a police report and am planning on filing a lawsuit against them for violating 15 USC 1681D

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: GA

Complaint narrative:
Once again have been trying to get an account thats is not mines off of my credit report and have asked Experian plenty of times to provide me with the information they received from the creditor of the account instead they send me a notice saying nothing is going to change on that account which violates 15 U.S.C 1681D Im requesting them to send me proof of everything that received on this account Account : 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 2024-11-07 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: TX

Complaint narrative:
I am filing a complaint to address misreported information that has been mixed into my credit report. There are accounts appearing on my report that do not belong to me and are likely linked to someone elses profile. This inaccurate reporting is causing harm to my credit standing and raises serious concerns with my ongoing issue of fraud and identity theft. This situation violates my rights as a consumer and negatively impacts my financial reputation. Please prioritize this matter to ensure my credit report is accurate and reflects only legitimate information associated with 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 explanation
Consumer complaint received 2024-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are unauthorized inquiries on my credit report, which contradicts 15 USC 1681b ( c ) ( 2 ). These errors are harming my credit, so I request their removal.

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 2024-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I initiated a balance transfer to a Bank of America account in XXXX, and XXXX this year. Separate transactions of $ XXXX, and $ XXXX respectively, The target account did not exist in their system despite me having a physical card in my possession. Bank of America rerouted this to a different account that I never authorized, and transferred the money out anyway. 

This caused a series of failures on their side and triggered incorrect reporting of my payment status to creditors once we tried to correct the error. 

I have spoken to them several times over the course of 6 months and was able to successfully restore part of the issues Ive had. It is the last resolution of the final unauthorized transfer that is not complete, and I was told that the bank will not do anything to correct the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-07 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : Account Number XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution! I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in XXXX  days update the account to PAID/NEVER Late and send me a copy of my updated credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: MI

Complaint narrative:
I have identified several items on my credit report that I do not recognize, suggesting that my identity may have been compromised. I did not authorize these accounts, and I have previously reported this issue. I am now requesting the immediate removal of these unauthorized accounts from my report. Their presence is causing me considerable distress and does not accurately reflect my credit history or financial responsibility. Resolving this matter has been difficult, and if it remains unresolved, I am prepared to take legal action to protect my rights. These inaccuracies are significantly impacting my ability to reach important financial goals, such as purchasing a home and supporting my family. I trust we can resolve this promptly.

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 2024-11-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
This account is in litigation and a court hearing is pending as this property was not in livable conditions. At the time we went to court, the XXXX XXXX XXXX XXXX XXXX told me to not dispute the conditions of the property because they would make the repairs and did not make the repairs, so the City condemned the property, and we were forced to move out immediately

Company response to consumer: Closed with explanation