vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-06 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: PA

Complaint narrative:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-06 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: Atlanticus Services Corporation
State: MO

Complaint narrative:
The company continued to charge the statement balance. They were small transactions throughout the billing cycle. However, they charged me the remaining statement balance as a full payment. Example, I may have only of used {$50.00} in credit for the month of XXXX but they charged me XXXX dollars which would be my statement balance, and included it into my balance, ( see attached documents ). They continue to do this month after month even after I called and explained that this was an incorrect and unfair business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-06 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: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been with Wellfargo for more than 20 years with no issues. My debit card was about to expire so Wellfargo sent me a new card, card didn't arrive. On XX/XX/XXXX, I received several emails and texts from Wellsfargo alerting me of fraudulent charges with incorrect password, transactions were from XXXX, XXXX, XXXX  and GAS STATIONS. Only 2 transactions went through, gas station for {$200.00} and XXXX for $ XXXX dollars, of course there is no need for the pin code. 
I immediately called the bank to let them know so they canceled the card. Two claims were filed to reverse those transactions. 
2 days later I went to get my mail and noticed our mailbox was broken. I immediately called the police to file a report, they also suggested for my to contact the XXXX police department which I did. I reached out to the Homeowners Association to let them know about the vandalism issue. They also informed me there were several broken mailboxes around the neighborhood. I called the three credit bureaus. I did everything in my power to protect my identity. Called werlfargo to ask if they need it all my evidence, their response was NO. 
A week later the $ XXXX dollars were approved and back in my account, the {$200.00} was denied. I called again and asked them for the reason of my denial, and they stated it was because there were conflicted comments from their representative, one was saying I have my card during the transactions and the other one that the card was stolen. I asked Well Fargo to open the claim again and I will send all my evidence. I called today XX/XX/2023 and they claim was denied for the second time because they cant find no evidence that the card was stolen from my mailbox. I requested a manager to get more information on why my evidence was not enough, XXXX from the sr. analyst refused to provide me with more information and say there was no one else I can speak with, and it was a final decision. 
I would like for the Consumer Financial Protection Bureau to help me with this claim. I have attached all my evidence for your review. It is not right to leave our money thinking it will be protected and when issues like that happen, we are cut dry not taking any steps to help their customers. 

WellfargoCaim 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 monetary relief
Consumer complaint received 2023-09-06 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express is a debt collector and they are breaking the law. Every month I get an envelope with their logo on it. Claiming to be a statement but in actuality, it is a bill. They have broken the law more times than I can count and each time is a violation and is causing me mental distress. Pursuant to 15 U.S. Code 1692f ( 8 ) : Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
On XX/XX/XXXX and XX/XX/2023 PennyMac received two mortgage payments from my account totaling {$3600.00}. Upon noticing I promptly reached out to PennyMac, they claimed they processed my refund of my money. On XX/XX/XXXX I was told it was escalated and the money would show shortly. I was later told that they placed it on a " suspense '' account instead of refunding it to the account as directed. On XXXX XXXX customer service is now saying they will send a check in 14 business days because they can not put it back in my account, contradicting everything previously said by PennyMac representatives. Additionally, there is an eDisbursement account set on the account that would allow for the direct deposit of the funds back into my account. 

This were funds from my VA payment and has caused extreme hardship with PennyMac not wanting to return payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
account # XXXX Fay Servicing LLC reported a {$540.00} balance increase that caused my credit score to drop XXXX points.This is a personal loan not revolving credit each month my balance decrease not increase this is inaccurate reporting on my report. 

Account # XXXX XXXX reported {$7.00} increase on my report which caused my credit score to drop XXXX points when in fact my balance decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: GA

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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: GA

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: Incomm Holdings Inc.
State: GA

Complaint narrative:
I purchased a {$400.00} gift card at XXXX which I only used once to order food. After a day the card was used to purchase something for {$230.00} from a store in New York which I live no where near and did not authorize myself and then the card just went inactive and unable to use it at all. I cant purchase anything, check balance or anything. I contacted the company and submitted the requested documents they asked for but no one has ever contacted me back at all or anything regarding the gift card and how I can get my money back that was stolen from me. I want a new gift card issued since the funds were stolen fraudulently and I only used it once to order fast food delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: AL

Complaint narrative:
Lexington Law promised to help with credit repair and has not fulfilled that need

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. more so they didn't follow the proper 5 steps validation procedure which makes his unfair practices. according to the FDCPA i'm entitled to XXXXXXXX XXXX per violation and clearly they violated my rights.

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 2023-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was the victim of a scam originating on " XXXX ''. I believed I was sending money for the adoption of a kitten. However, upon sending the money via XXXX, it became clear that there was no kitten, and I had sent {$80.00} to a person without any hope of seeing the money again. 

I asked for my money back from the scammer, which obviously did not work, as they were trying to solicit even more money from me. 

I reached out to XXXX, and received an acknowledgement of my complaint, but no restitution of payment or resolution provided. 

I reached out to XXXX XXXX XXXX to ask for them to cover my losses and hold the scammer responsible, but they ignored my multiple emails. 

Ultimately, I believe chase bank should be held accountable and am asking for them to return my money. The scammer imitated a real person named XXXX XXXX, to whom I sent money. Chase did nothing to stop this. Under Regulation E., banks must be held accountable for fraudulent transactions. Chase did not do enough to protect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: FL

Complaint narrative:
Upon reviewing my report I noticed fraudulent inquiries and wrong addresses I contacted creditors and the crediting reporting agencies. I also filed an FTC report and asked the credit reporting agencies to put an active fraud alert. The unauthorized and fraudulent items will be listed below Inquires XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Wrong address XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2023-09-06 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: CA

Complaint narrative:
Notice of Agent : Experian, XXXX, XXXX I am writing to express my serious concern and frustration regarding unauthorized information that has been added to my credit report by your agency. According to the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information on my credit report, and I expect that my credit report is a fair representation of my financial history. Unfortunately, recent changes to my credit report have raised significant issues that need to be addressed promptly and every hard inquiry needs to be removed. they are in non compliance of this code, I did not authorize with my physical signature any of those inquires to be added to my report. 

15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code

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 2023-09-06 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: Westcreek Financial
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
I reached out to Apple Card Services, reached out to the merchant and coming to a dead end. {$120.00} was pulled for a free trial. Apple denied because I got the credit but it was only a prevision. Not the merchant. The merchant is extremely not helpful. They keep telling me to contact apple to get the money back and their site clearly states I got 14 days from being charged as a first time customer. This is around day XXXX. To add do this, the annual subscription for premium for this service is gone. So now Im also out regardless of this outcome. Can anyone help return my money? Please and thank you. This is all for the Apple Credit Card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-09-06 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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: Affirm Holdings, Inc
State: NV

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: TN

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 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