vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Ive been unable to get my credit report from TransUnion for over a year now. Whenever I call, they tell me that there is a technical issue, and nobody is able to resolve it. I can get my report from the other major bureaus without issue, but TransUnion refuses to give me access.

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 2024-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NY

Complaint narrative:
THEY FROZE MY ACCOUNT WON'T GIVE ME An EXPLANATION AND WON'T LET ME ACESS MY FUNDS FROM MY PAYROLL

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: IL

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate 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 2024-02-06 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:
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 is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

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 2024-02-06 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: MS

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

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 2024-02-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
It is XXXX to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Counsel, Inc.
State: FL

Complaint narrative:
I made some arrangements with the company before, they first made me numerous calls, they always said if I dont pay they will take legally actions, they told me what was about, but never send me the receipt or prove of my payments or the balance of the debt. I stopped working, I wasnt able to pay the debt, they started calling me, when I wanted to confirm the company of debt, this guy named XXXX XXXX talked to me very rude, he gets angry very quick and doesnt care about your situation, he asked me to shut up and let him talk. This is one of the voice mail that he left : Yep, my final call for XXXX XXXX XXXX XXXX was unfortunately chosen to ignore your obligations to my client XXXX XXXX. You broke the terms of your payment aquarium and you don't return phone calls you don't respond invoices. Full-time job babysitting you Obviously born XXXX XXXX you should need a babysitter this point this is your obligation you got a resolve for years ago Yeah, we know that So we're moving forward legally I'm done with this game XXXX XXXX hours once I don't hear back from you or your attorney by tomorrow the XXXX He is been calling with private numbers, sending emails and I had a report in my credit with this company

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently looked at my credit report and i noticed that all of the hard inquiries do not have permissable purpose. 
According to 15 USC 1681 b this is a violation and all inquiries need to be deleted.

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 2024-02-06 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: CA

Complaint narrative:
I recently looked at my credit report and i noticed that all of the hard inquiries do not have permissable purpose.

According to 15 USC 1681 b this is a violation and all inquiries need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I have been receiving usps paper bills and text messages from collection, agency, Harris and Harris regarding a medical bill from XXXX XXXX XXXX. 
Despite the hospitals claim, I was never sent a bill from them. I just got off the phone with their billing department. 

They sent the bill to an incorrect address. 

The address they mailed to is- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Illinois. 
I live in XXXX XXXX Illinois. I never received a bill. 
Because I never got the bill I didnt have a chance to dispute it. I am fully insured. I have Medicare, Medicare, supplements and Medicaid I shouldnt have gotten a bill at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
The bank doing the below and actively trying to steal my money 1- When I make payment against the principal they always reverse it and go to some suspension and it will show in my account and count against the loan balance unless I spend hours in the phone wit them 2- The bank make it so hard for me to make payment against the loan balance, when they notice I have been regular payment online again the loan balance they stop the option for me to make the payment online, the only option now to make payment against the loan balance which they make me wait an hour to make the payment and they do not even process the payment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I purchased a vehicle through credit acceptance a few years ago and I had to let the vehicle go because of the super high interest rate... I basically paid 4 the amount in 4yrs. And they still have a balance of XXXX showing up on my credit report and this is a XXXX XXXX XXXX  which is ridiculous!

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 2024-02-06 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: MD

Complaint narrative:
I requested that XXXX XXXX, XXXX XXXX, and XXXX XXXX provide me with documentation justifying them reporting late payments on my credit report. In turn they did not provide this information and Equifax and XXXX continue to report inaccurate late payments that are causing negative affects to my credit report and my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC
State: NY

Complaint narrative:
I continue to get calls about debt collection but it hav XXXX nothing to do with me. I dont owe any debt. I believe it is an attempt to collect my personal information.Scam calls

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I requested that XXXX XXXX, XXXX XXXX, and XXXX XXXX provide me with documentation justifying them reporting late payments on my credit report. In turn they did not provide this information and XXXX and Transunion continue to report inaccurate late payments that are causing negative affects to my credit report and my ability to obtain credit.

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 2024-02-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo/Wachovia opened a case last year but did not resolve the issue. I am entitled to seven payable on death accounts that my mother left POD to me that were wrongly closed by predatory ( former ) guardian/convicted Felon ( as of XX/XX/XXXX ) XXXX XXXX and her cohorts. This was a violation of federal banking laws and the bank remains responsible. Wells Fargo gave me a case number and contacted me by phone claiming there would be a settlement. But the bank failed to do as promised. I am still awaiting a monetary settlement, which I was promised. The bank participated in an illegal OR negligent activity by giving my inheritance money ( the seven CDs/money markets ) to the wrong person ( XXXXXXXX XXXX XXXX  ) using an illegal court order. XXXX XXXX ( XXXX ) also now makes it clear that a bank can not destroy a Totten Trust . The bank either intentionally collaborated with convicted felon XXXX XXXX or erroneously paid out the seven CDs to XXXX XXXX 's Geriatric Care Management company. In either case, the Errors and Omissions of Wells Fargo/Wachovia insurance should be able to reimburse me the nearly half a million dollars that rightfully belongs to me. In a letter sent to me the end of last year, Wells Fargo claimed they could not provide information on the wrongfully closed/money taken accounts. This is a misstatement, since the money/accounts belong to me. The money is mine and has been mine ( POD ) since XX/XX/XXXX ( the day of my mother 's death ). It's time for Wells Fargo/Wachovia to give back the money that was wrongfully taken and not given to the rightful heir ( XXXX XXXX XXXX XXXX The bank has a contract with my mother, XXXX XXXX, to honor her wishes, and no predatory guardian or illegal court order can destroy a Totten Trust. I am now reaching out to the CFPB through XXXX XXXX 's office for assistance with this matter. I have extensive documentation to prove my claim and there is no statute of limitations where there has been fraud, and also for the sake of justice. For years, no one listened, but now with XXXX XXXX arrest and conviction and new legislation specifically stating that Totten Trusts can not be destroyed ( XXXX XXXX, XXXX ), the bank needs to honor my claim. Sincerely, XXXX XXXX ( XXXX ) XXXX or ( XXXX ) 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 explanation
Consumer complaint received 2024-02-06 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: NJ

Complaint narrative:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I made a payment to Capital One for {$3500.00} on XX/XX/XXXX causing a credit balance of ( {$1200.00} ). As I tried to pay for my groceries on XX/XX/2024, my credit card was denied which was embarrassing. I then tried to pay for my dog food on XX/XX/XXXX, and my credit card was denied which now I am humiliated. I called XX/XX/XXXX and they stated they were not sure and need to look into it. The first representative was not sure and got another representative. After being on hold for 25 minutes, they stated that my payment of {$3500.00} is to be held until XX/XX/XXXX and after that time I can use my account again. I stated this was unlawful and encouraged him to send a survey. The customer service again could care less as I guess a {$3000.00} credit limit is no big deal. I closed my account as this is complete unacceptable for being a customer for numerous years and of course I did not get a survey!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my refiling complaint to EQUIFAX for still allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: 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 explanation
Consumer complaint received 2024-02-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022 XXXXXXXX XXXX Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXXXXXX Barclays Bank Delaware Card Services XXXX XXXX XXXX XXXX, XXXX XXXX DE XXXX Subject : Demand for Arbitration Dear Barclays Bank , I am writing to formally demand arbitration regarding the dispute related to CONTRACT, billing errors under the terms of our contract ( balance owed and reported ) INACCURATE Date of Last Activity : XXXX XXXX. 

In accordance with the arbitration clause detailed in our agreement, I propose initiating the arbitration process to amicably resolve this issue. 

Please acknowledge this letter and inform me about the next steps in accordance with our agreement and applicable laws. Failure to respond within 14 DAYS will compel me to seek further legal action. 

I look forward to a prompt resolution. 

Sincerely, 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 2024-02-06 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: TX

Complaint narrative:
Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting 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 2024-02-06 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: TX

Complaint narrative:
Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting 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 2024-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
this is my clam number with wells fargo XXXX and I am having to call to get updates after being promised updates I would really appreciate a credit while they resolve this issue as I do still have bills while the resolve this

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 2024-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I tried to purchase a used motherboard from XXXX but the supplier took it off right when i tried to pay. So XXXX cancelled the transaction, but paypal tried charging me anyway 5 times XXXX even though there was no purchase and i have my paypal account set that it can not charge me multiple times for the same item. I have no idea how this stuff can happen to people??????? I went and read the reviewes of paypal on XXXX, this stuff happens to sellers and buyers every day on XXXX. This kind of fraud need to be regulated better so people are not put in this situation. It was sunday, grocery day and we have had to suffer with no food or anything for 4 days now till another payment hits our account. this is obsurd that banking institutions can do this to people on a daily basis?????? This has happened to me three times now on paypal, I am closing paypal immediately ... ....

Company response to consumer: Closed with explanation