vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been trying to fix this problem for almost 2 years now. every time I apply for credit no one is able to pull my report from Experian. I have a free account with Experian and I'm not able to see any updates since XX/XX/2021. 

I have called numerous times for over a year and the problem is not solved. I've even updated all of my information per their request, they claimed that it would be fixed and I will have access to my credit report, but that was almost 2 years ago.

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 2023-09-08 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: MO

Complaint narrative:
Hello, Good morning, I hope your doing very well. 

my final warning that I have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them. 

XXXX XXXX  XXXX Date of last activity Open Date Closed Date Account Status I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 5 days.

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 credit bureaus with these accounts listed below.

I have now pointed out the mistakes so this account needs to be deleted immediately not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that Transunion, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletion. 

Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 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: WI

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-09-08 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: CO

Complaint narrative:
Pursuant to 18 usc 8, l owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Item : XXXX XXXX  XXXX, Account # XXXX XXXX  XXXX, Account # XXXX Opened on XXXX XXXX and XXXX  XXXX, Account # XXXX opened on XX/XX/XXXX XXXX XXXX, account # XXXX opened on XX/XX/XXXX XXXXXXXX XXXX  account # XXXX Opened XX/XX/XXXX XXXX XXXX, Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604A Section 2 : it also states a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of cries 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 Accout XXXX XXXX account XXXX XXXX previously said deleted but was not deleted from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 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: MD

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 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: MD

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of 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 explanation
Consumer complaint received 2023-09-08 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:
I have reached out to the credit bureaus XXXX, XXXX and transunion regarding invalid information found on my credit report. I have requested they provided detailed validation that the accounts belong to me. They have yet to provide the information or DELETE the accounts from my reports.

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 2023-09-08 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 have reached out to the credit bureaus experian, XXXX and XXXX  regarding invalid information found on my credit report. I have requested they provided detailed validation that the accounts belong to me. They have yet to provide the information or DELETE the accounts from my reports.

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 2023-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
I received a number of charges from XXXX parks and entertainment for the amounts of XXXX a total of 5 transactions as well as XXXX for XXXX and XXXX and XXXX. I reached out to XXXX and they advised they didnt have anything current for my account so of course I disputed I was advised by a representative that after 10 business days I would receive a provisional credit.After the 10 business days I didnt get a credit I was advised by a representative that my credit was denied because 2 out of 7 didnt qualify and that I would have to wait for 30 business days ( filed dispute on XX/XX/23 ) today was the 31st day with the holiday in consideration I called again today and was told that I would have to wait an additional 30 days.Also after being issued a new debit card another transaction from XXXX XXXX and I was told I had to inform that that I had to verbally tell them to block the merchant and that I would have to request a new card! Im a single parent and in these times I can not afford this and its also delaying me to pay my rent please help! I also requested to speak with a supervisor I was told I could not and I was only provided a name of XXXX and a reference number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: TN

Complaint narrative:
XXXX stated in previous complaint that XXXX XXXX XXXX XXXX loan was updated as paid in full on my credit report on XX/XX/2023. XXXX has lied about updating my credit report to show that XXXX XXXX XXXX XXXX has been deleted or updated as paid in full. The Auto loan became part of my income {$19000.00} 1099-C and filed with the IRS. I will attach my previous complaint report and my recent XXXX credit report to this complaint.

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 2023-09-08 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: MD

Complaint narrative:
I am refilling my complaint to TRANSUNION. I believe that my information is being misused and reported as inaccurate and this is complaint to TRANSUNION. In my credit report from XX/XX/2023, I still found these unauthorized inquiries reflecting in my credit report, that I was not aware of .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

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 2023-09-08 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: NCB Management Services Inc.
State: FL

Complaint narrative:
Over the last few days I have tried to contact NCB management and they wont answer any calls or return my calls. XXXX trying to get a collection resolved but theyre refusing to work with me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: TX

Complaint narrative:
Dear CFPB, I am writing to express my extreme frustration and dissatisfaction with Wells Fargo Bank in the ongoing dispute I have with them. I recently had a 50-minute conversation with them in which they claimed to have initiated the processing of four disputed transactions and provided claim IDs : - XXXX - XXXX - XXXX While this might appear to be progress, a significant concern remains. When I inquired about whether I would be required to make payments for these pending claims next month, Wells Fargo 's response was utterly unsatisfactory. Instead of providing a clear answer, they shuffled me between multiple departments, leaving me without a resolution. Eventually, I was told that these claims are still pending due to missing documentation. 

It is crucial to emphasize that I have diligently followed Wells Fargo 's process, reporting each claim over the phone and providing all requested information based on their inquiries. Despite my full cooperation, they persist in delaying and evading the claims ' processing. Their claim that I haven't provided the necessary information is confounding, especially when I possess the claim IDs as evidence. 

This situation clearly indicates the bank 's intent to procrastinate and allow these claims to linger indefinitely. It is evident that Wells Fargo 's actions are not aligned with their purported commitment to promptly and transparently resolve disputes. Their inability to address these claims raises serious concerns about their practices and their dedication to customer service. The potential for them to profit from unresolved claims, particularly when they possess the necessary information, is both disheartening and unjust. 

In light of this distressing situation, I implore the relevant authorities to intervene and closely monitor Wells Fargo 's activities. Their behavior warrants a comprehensive investigation and appropriate measures to ensure that the bank adheres to ethical practices and treats its customers with the respect they deserve. 

I deeply appreciate your attention to this matter and your role in safeguarding the rights of consumers. 

Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: IL

Complaint narrative:
In accordance with the Fair credit reporting act this creditor has violated my rights Under 15USC 1681 Section 602 stqtes I have the right to privacy Under 15 U.S.C 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions Under 15 U.S.C 1666B a creditor may not treat a payment on credit card account under an open and credit consumer plan as late for any purpose and I demand that all its listed below be deleted Under 15 U.S.C 1681 section 604 A Section 2 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.

Under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due 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 explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: OH

Complaint narrative:
XX/XX/2023 I made an in store purchase at a shell gas station using my cash app card @ approx XXXX. The purchase was {$23.00} but the charge to my cash app account is exactly double at {$47.00}. Both cash app and the merchant are giving me the run around. One of these two places owes me {$23.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XX/XX/2023 a transaction was placed in the amount of {$50.00} sent to a XXXX XXXX account, I did not authorize this transaction. 

On XX/XX/2023 a transaction was placed in the amount of {$50.00} sent to a XXXX XXXX account, I did not authorize this transaction. 

It is now XX/XX/2023 and Venmo is still refusing to give me my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

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 2023-09-08 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This is additional documents for complaint XXXX. The evidence will show that NCA conducted gross misconduct, negligence, fraudulent and incorrect reporting. How are you reporting a balance with an additional XXXX dollars?? When supposedly you do not add fees. The original creditor did not acknowledge that your company was owed anything. This complaint alone is more than enough proof to sue your company. Please reference my other XXXX complaints in which I am keeping a paper trail and remove this incorrect account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This is in response to complaint XXXX. You have provided nothing validating the current balance on the account. I contacted the original credit XXXX XXXX  and that is not the balance owed. I also requested your company to pay the invoice for the many FDCPA violations in which you did not. I will be moving forward with taking legal action. You also failed to provide the letter that was sent to me informing me that the account was being sold to your company. Once again I am requesting the removal of this account and the requested information as I have this right. I assume if you do not provide ALL information requested that this account is incorrect and will be removed immediately. Please refer to the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: TOYOTA MOTOR CREDIT CORPORATION
State: MS

Complaint narrative:
In according with the XXXX XXXX XXXX XXXX account # XXXX has violated my rights.

15 US Code 1681 section 602 states I have the right to privacy.

15 US Code 1681 section 604 ( A ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 US Code 1681 ( A ) ( 2 ) ( I ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/2023, i was charged by XXXX 3 duplicate transactions, i asked my bank to refund me after the merchant refused to send me the refund. Capital One said it is an old one and can't revert back. 
i should be charged only one time instead of 4 times. ( XXXX )

Company response to consumer: Closed with explanation