vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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: NY

Complaint narrative:
Early this year, on Friday, XXXX XX/XX/year>, I tried to withdraw money from ATM machine in XXXX XXXX XXXX XXXX XXXX in XXXX - XXXX ), there were two ATM machines one next to the other, one from XXXXXXXX XXXX XXXXXXXX and the other from XXXX XXXX XXXX. My first intent was with XXXXXXXX XXXX XXXXXXXX ATM, I tried twice and didn't receive the money, only a message on the screen then I tried once with the second ATM machine from XXXX XXXX XXXX and didn't receive the money neither just a message on the screen that transaction couldn't be performed. I had immediately called to customer service of XXXXXXXX XXXX XXXXXXXX ( ATM machine in XXXXXXXX XXXX XXXXXXXX ) and XXXX XXXX XXXX and they said when that happens the funds will be refunded between in the next 48 business hours so I waited will Monday, XX/XX/XXXX since the funds were never refunded, I went to one of the agencies of XXXXXXXX XXXX XXXXXXXX in XXXX XXXX XXXX XXXX and a lady from customer service said that there is no problem reported with the ATM machine that I can withdraw money without problem so I tried one more time to get {$100.00} and again the transaction was denied but funds for the amount of {$100.00} were taken from my savings account with Wellsfargo. On Tuesday, XXXX XXXX immediately after my return to NY, I went to nearest Wellsfargo agency to open a claim in person. I also submitted a claim online. I have received letters from the bank and CFPB that my case was closed but months later I have only received an envelope with a check only for just {$200.00} and I still missing the other {$200.00}. Please help to recover the money. 
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 2024-12-24 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:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-12-24 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-12-24 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Block, Inc.
State: CA

Complaint narrative:
This complaint is filed to report XXXX XXXX XXXX XXXX for violations of federal consumer protection laws. XXXX is attempting to collect a purported debt for a product ( tickets purchased through XXXX ) that was never delivered. Despite multiple disputes and clear evidence of non-delivery, XXXX has refused to eliminate this fraudulent debt. 

Background On XX/XX/year>, I purchased tickets through XXXX using XXXX. The tickets were never delivered, and XXXX failed to refund my purchase despite verbal assurances. I disputed the charges with both XXXX and XXXX, but neither party issued the owed refund. My financial institution resolved the dispute in my favor, yet XXXX continues collection efforts for the unpaid balance. 

Violations XXXX conduct violates the following : Fair Debt Collection Practices Act ( FDCPA ) ( XXXX XXXX XXXX et seq. ) : Attempts to collect this invalid debt constitute harassment and misrepresentation. 

Unfair, Deceptive, or Abusive Acts or Practices ( XXXX ) : XXXX refusal to eliminate the fraudulent debt and continued collection efforts qualify as unfair and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Violation of FDCPA ( 15 U.S.C. 1692g ) by Equifax Dear Sir or Madam, I am writing to formally file a complaint against Equifax for providing inaccurate and misleading information on my credit report, in violation of Section 809 of the Fair Debt Collection Practices Act ( FDCPA ), codified as 15 U.S.C. 1692g. 

Upon reviewing my credit report, I noticed that Equifax is reporting XXXX XXXX XXXX ( XXXX ) as the original lender for a debt account. This information is inaccurate and deceptive, as XXXX XXXX XXXX is a debt buyer and not the original creditor. 

Under 15 U.S.C. 1692g, consumers have the right to receive accurate and clear information regarding the original creditor of a debt. Reporting XXXX XXXX XXXX as the original lender constitutes false and misleading information, thereby violating my rights under the FDCPA. 

Details of the Complaint : Credit Reporting Agency : Equifax Account Holder Name : Account Number : XXXX Date of Report Retrieval : XX/XX/year> Violation : XXXX XXXX XXXX is listed as the original lender instead of identifying the actual original creditor. 

I have attached copies of my credit report highlighting the error along with any relevant correspondence. 

Requested Resolution : XXXX. I request an immediate investigation into this matter. 
XXXX. I request the removal or correction of the inaccurate information. 
XXXX. I request confirmation in writing of the resolution of this dispute. 

If this issue is not addressed promptly, I will have no choice but to escalate my complaint further. I also reserve the right to seek legal remedies for this violation of federal law. 

Please confirm receipt of this letter and provide updates on the status of my complaint. I look forward to your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2024-12-24 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX XXXX  ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from my Transunion. Please delete the following accounts. 

Account Name : 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 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 XXXX XXXX XXXX  Additionally, I request the removal of all unauthorized inquiries, incorrect Address ( es ) and Employer ( XXXX ) related to this identity theft : Creditor Name : 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 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 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover was made aware of fraudulent charges on my card at the time I was told investigation was completed on the account and charges were charged to me that were not made by me. the XXXX XXXX XXXX XXXX was made aware of the identity theft on my account. I have called discover and provided the case number XXXX and the deputy 's name h. hayes XXXX they have set up a payment plan and have not resolved the fraud my limit on this card is only {$3000.00} they allowed the identity thieves to charge an additional {$2500.00} to leave me with the balance of {$5000.00} to pay to the company. THE ONLY AMOUNT THAT I OWE IS {$3000.00}. This has caused a hardship and ruined my credit reports. Discover also wanted to closed my account for no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate information reported by XXXX on my credit profile. Despite multiple disputes and over XXXX months of waiting, these inaccuracies remain unresolved. The following accounts are being reported incorrectly, causing significant harm to my creditworthiness : XXXX XXXX XXXX XXXX XXXX Account XXXX. : XXXX ) The account status inaccurately reflects a charge-off of {$3300.00}. This information is incorrect and needs to be removed. 
XXXX XXXX XXXX ( Account XXXX. : XXXX and XXXX ) Both accounts are listed as collections with balances of {$1800.00} and {$2400.00}, respectively. These entries are unauthorized and do not accurately reflect my credit obligations. 
XXXX ( Account XXXX. : XXXX ) This account is falsely reported as charged off with a past-due balance of {$6500.00}. The information is inaccurate and harmful to my credit profile. 
XXXX XXXX XXXX ( Account XXXX. : XXXX ) This account is marked as Paid, Closed, but inaccurately reflects late payments. I have never been late on this account, and this misreporting must be corrected. 
FCRA Violations : 15 U.S. Code 1681e ( b ) : Failure to ensure maximum possible accuracy of reported information.

15 U.S. Code 1681i ( a ) ( 1 ) : Failure to investigate disputed information within the legally required timeframe.

15 U.S. Code 1681s-2 ( b ) : Failure of furnishers to investigate disputed information. 
XXXX XXXX : I am requesting the CFPB to : Require XXXX to immediately delete the inaccurate accounts from my credit profile. 
Ensure compliance with the FCRA and confirm the corrections in writing.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate information reported by XXXX on my credit profile. Despite multiple disputes and over XXXX months of waiting, these inaccuracies remain unresolved. The following accounts are being reported incorrectly, causing significant harm to my creditworthiness : XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX. : XXXX ) The account status inaccurately reflects a charge-off of {$3300.00}. This information is incorrect and needs to be removed. 
XXXX XXXX XXXX ( Account XXXX. : XXXX and XXXX ) Both accounts are listed as collections with balances of {$1800.00} and {$2400.00}, respectively. These entries are unauthorized and do not accurately reflect my credit obligations. 
XXXX ( Account XXXX. : XXXX ) This account is falsely reported as charged off with a past-due balance of {$6500.00}. The information is inaccurate and harmful to my credit profile. 
XXXX XXXX XXXX ( Account XXXX. : XXXX ) This account is marked as Paid, Closed, but inaccurately reflects late payments. I have never been late on this account, and this misreporting must be corrected. 
FCRA Violations : 15 U.S. Code 1681e ( b ) : Failure to ensure maximum possible accuracy of reported information.

15 U.S. Code 1681i ( a ) ( 1 ) : Failure to investigate disputed information within the legally required timeframe.

15 U.S. Code 1681s-2 ( b ) : Failure of furnishers to investigate disputed information. 
XXXX XXXX : I am requesting the CFPB to : Require XXXX to immediately delete the inaccurate accounts from my credit profile. 
Ensure compliance with the FCRA and confirm the corrections in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: GA

Complaint narrative:
I am writing to formally dispute the inclusion of a fraudulent account on my credit report and request its removal under FCRA 15 U.S.C. 1681c-2 ( Section 605B ). The account in question was opened or accessed fraudulently as a result of the XXXX data breach, which compromised my personal information. Account # XXXX has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights Details of the Fraudulent Account : Account Name : XXXX XXXX Date Opened : unknown As stipulated under Section 605B of the FCRA, I have attached the following documentation to support my request : XXXX. A copy of my government-issued identification. 





XXXX. Proof of my current address ( [ e.g., utility bill, bank statement ] ). 





XXXX. A copy of the FTC Identity Theft Report or police report documenting this incident. 







This fraudulent account was created without my knowledge or consent, and its presence on my credit report is inaccurate and harmful. Pursuant to the law, I request that this item be blocked and removed from my credit report within the required timeframe of XXXX business days upon receipt of this letter and supporting documentation. 



If you require additional information, I can be reached at [ your phone number ] or [ your email address ]. I appreciate your prompt attention to this matter and look forward to your confirmation that the fraudulent information has been removed. 



Sincerely, 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
Consumer complaint received 2024-12-24 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: GA

Complaint narrative:
I am writing to formally dispute the inclusion of a fraudulent account on my credit report and request its removal under FCRA 15 U.S.C. 1681c-2 ( Section 605B ). The account in question was opened or accessed fraudulently as a result of the XXXX data breach, which compromised my personal information. Account # XXXX has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights Details of the Fraudulent Account : Account Name : XXXX XXXX Date Opened : unknown As stipulated under Section 605B of the FCRA, I have attached the following documentation to support my request : XXXX. A copy of my government-issued identification. 





XXXX. Proof of my current address ( [ e.g., utility bill, bank statement ] ). 





XXXX. A copy of the FTC Identity Theft Report or police report documenting this incident. 







This fraudulent account was created without my knowledge or consent, and its presence on my credit report is inaccurate and harmful. Pursuant to the law, I request that this item be blocked and removed from my credit report within the required timeframe of XXXX business days upon receipt of this letter and supporting documentation. 



If you require additional information, I can be reached at [ your phone number ] or [ your email address ]. I appreciate your prompt attention to this matter and look forward to your confirmation that the fraudulent information has been removed. 



Sincerely, 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
Consumer complaint received 2024-12-24 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:
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 2024-12-24 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-12-24 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: DE

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-12-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I hired Lexington Law on two separate occasions over the past 10 years to provide credit repair and counseling. I paid a monthly fee for the services, but my credit report did not change. The company Lexington Law received monies for services not renderedfalse advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I asked bank of America to take XXXX interest off my bill because they put it on there for no reason at all 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 monetary relief