vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
In the summer of XXXX, XXXX sent me an advertisement of a free cellular phone. The phone and the service bill had to be paid by the ACP program run by the federal government. Then, XXXX delivered to me a non-working phone. I requested an exchange of the phone and establishment of the quality service. A case was open. XXXX did not act and did not perform any exchange or repairs. They continued to draw money from the ACP without providing any services. As a result, I cancelled my account with XXXX, requested ACP to stop paying them and requested XXXX to facilitate return of their useless phone. XXXX instructed me to take the phone to a XXXX XXXX for shipment to XXXX. So I did. The local XXXX XXXX declined to accept the phone and stated that XXXX must provide a return shipping label. I requested a return label from XXXX. Yet another case was opened and then closed without any resolution. XXXX effectively declined return of its useless equipment. Then, XXXX fraudulently submitted a charge for the phone and service to my credit card. The fraudulent charge was reversed and further XXXX sham bills were barred from submission by the credit card company. 
In XX/XX/XXXX, XXXX fabricated bills for the services not rendered and equipment not delivered. They teamed up with the collection agency Credence Resource Management to extort money from me according to the false bills. Credence was asked to obtain verification of debt that showed my obligation to pay XXXX  for its services and receipt for their equipment. Credence failed to do so, and continues to base its collection activities on the latter-fabricated false XXXX bills. It is a typical illegal extortionist operation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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: CA

Complaint narrative:
I value your help again to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I did an international wire transfer on XX/XX/2024, at Wells Fargo Bank in XXXX Maryland, for the amount of {$7000.00} to a residential building company called XXXX XXXX XXXX ( XXXX ) in XXXX. I have previously done similar wire transfers through Wells Fargo to this company because XXXX is building my house in XXXX, XXXX. 
The banker at Wells Fargo, named XXXX XXXX XXXX, entered part of the beneficiary 's account number. She did not include the second portion of the account number, which is the beneficiary 's local account number. As a result, the beneficiary 's bank, XXXX in XXXX, could not credit the beneficiary 's account. The money was, therefore, not delivered. I requested a correction on the wire transfer, but XXXX XXXX said it could not be done. So, I requested a reversal of the transfer. 
XXXX in XXXX has submitted proof that {$6900.00} has been reversed to Wells Fargo, but Wells Fargo has given me the runaround. Wells Fargo is refusing to refund the money to me. I have visited Wells Fargo Bank in XXXX every week for XXXX and a half months. I need your help. 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 monetary relief
Consumer complaint received 2024-06-27 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: FL

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-06-27 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: FL

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: IN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have previously sent disputes regarding this issue numerous times. This issue is really causing me to have significant emotional distress. Experian is failing to truly investigate and validate the information that's in my consumer report. It is illegal for the bureaus to report an active payment history when the alleged account is a charged off account. This inaccurate information falsely manipulates the statute of limitations. Their negligence has violated my rights. I AM DEMANDING A DELETION IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
lvnv funding XXXX XXXX XXXX XXXX XX/XX/2024 dispute no reply account paid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Radius Global Solutions LLC
State: MI

Complaint narrative:
Radius Global Solutions LLC texted me at XXXX XXXX. On XX/XX/year>. The text message woke me up.

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 2024-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Urgent Complaint Regarding Deceitful Handling of My Chase Bank Account Dear Customer Service, I am writing to express my extreme disappointment and frustration with the recent treatment I have received from Chase Bank regarding my checking account. After being a loyal customer for over 8 years, I was shocked to receive an email XXXX day notifying me that my account has been restricted, leaving me unable to access my own money. 

Upon contacting Chase Bank, I was told that it was an " upper management decision '' and that they were unable to provide me with any specific reasons due to confidentiality. This lack of transparency and accountability is unacceptable, especially considering the significant impact it has had on my financial wellbeing. 

For over a month now, my hard-earned money has been held XXXX in my account, with no communication or updates provided to me regarding the status of the restriction. This has caused me undue stress and inconvenience, as I rely on these funds for my everyday expenses and bills. 

I urge Chase Bank to promptly investigate this matter and provide me with a clear explanation for why my account was restricted. I expect a resolution to be reached swiftly, along with appropriate compensation for the hardships I have endured as a result of this unjust action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
There was an unauthorized charge for {$300.00} on the gift card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with XXXX, XXXX, XXXX XXXX XXXXK was never late! I have had exceptional payment history with XXXX, XXXX, XXXX XXXX XXXX on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 


XXXX, XXXX, XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer 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 2024-06-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
Find account on XXXX report that reflects rental debt not owed pursuant to FDCA 15 USC 1681i ( 5 ). I never lived or gained residence at this debt on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: IN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-27 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: CA

Complaint narrative:
this is my third dispute I disputed inaccurate information with Experian, XXXX and XXXX in regard to this account lending club account number : XXXX Experian stated the information was verified and accurate. After checking my credit report the information is still obviously inaccurate! On my Experian report the account displays an open date of XX/XX/XXXX but this account was actually opened on a different date according to the other XXXX credit bureaus. XXXX shows XX/XX/XXXX, it should be falling off my credit report XX/XX/XXXX. The report shows the payment history begins XX/XX/XXXX which is another inaccuracy! An account can't be charged off, reported as a collection and then charged off again. These are clear inaccuracies that Experian,, XXXX and XXXX allowed to remain on my credit report. The account is not 100 % accurate so it is deemed INACCURATE and should be deleted immediately. I've attached a copy of the report from the Experian credit report website. I've attached the results of the requested investigation and I've attached the response showing that Experian told me the account remains with all the inaccuracies. Please delete this account effective immediately. This is my right per the Fair Credit Reporting Act to request this ( FCRA ). ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I'm asking that you delete this obvious inaccurate account off my credit report and send me an updated copy of this report. Balance : XXXX 


Account XXXX : XXXX XXXX  Account # XXXX delete account immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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 kindly request that you block and delete this information from my credit report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-06-27 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: NV

Complaint narrative:
took a look at my credit file XX/XX/XXXX, noticed things that were incorrect & not accurate I sent letters to XXXX credit breaus on XX/XX/XXXX & asked them to investigate the completeness & accuracy .There breaking the law 15 USC 1681e ( b ) ACCORDING TO 15 USC 1681 ( 5 ) IT STATES THE ( 5 ) treatment of in inaccurate or unverified information ( A ) in general if after reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete

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 2024-06-27 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 understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: OR

Complaint narrative:
Attempted to change account address in order to access funds from loan due to issue with address not matching bank account address ( had just moved ). Account was locked due to suspicious activity XX/XX/XXXX. First called to try to regain account access XX/XX/XXXX, could not provide documents requested in initial email ( proof of address mail and photo of current ID ) due to having recently moved ( account address did not match actual address ). Attempted to explain this to customer service, received email with new list of instructions ( photo of ID, proof of address, photos of me holding ID showing both back and front ). Did not receive email back, called again XX/XX/XXXX. Received new list ( bank statement, credit card statement, utility bill, or government letter/document ) which I can not fulfill due to having just moved and utilities being in roommates name. Unwilling to send uncropped bank statement as it contains entire account number and email is not a secure method of communication as well as my account is connected to the service via an encrypted XXXX party app. Sent screenshot of address in banking app ( doesnt contain full account number ). Called again XX/XX/XXXX and was told must be bank statement, sent cropped version. Called again XX/XX/XXXX, was told it could not be a screenshot, was hung up on multiple times. Final call requested to speak directly to the department that handles these issues ( trust and security I believe ). Reiterated to person that initially answered phone that I understand this is not their fault, but this has been incredibly frustrating due to having a payment due on XX/XX/XXXX that I can not make unless my account is unlocked. Asked if I could just pay the loan amount and be done and was told no because the account is locked. Have not once received an email back about documentation and have had to call and ask each time to check on account status. XX/XX/XXXX had a MoneyLion WOW membership charge ( {$9.00} ) removed from my account ( required to obtain loan ) despite not having been able to access the service for approximately 1 month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was going through my credit file & realized that theres a security freeze on my credit File.

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