vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act the accounts stated below has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-11-16 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

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

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 2023-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: WY

Complaint narrative:
We have an account with WISE which had the accounts hosted at XXXX bank. 
WISE informed us on a very short notice about account number change. 
A large payment ( around XXXXUSD ) made on XXXX XXXX ( last day of account operativeness ) never reached us nor returned to the sender. 
We asked several times WISE to track the payments and revert but we've been told to wait and possibly ask the sender to inquiry. 
We are a XXXX and this missing payment is heavily affecting our business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Transunion is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

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

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 2023-11-16 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: Colony Brands, Inc.
State: MA

Complaint narrative:
In complaint XXXX Ginnys inc said they would have the credit bureaus remove the account. The very next day after their response they reported it as negative account again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I received an alert from credit monitoring that I had a new hard inquiry, when I checked my credit report there was in fact a new inquiry that I did not initiate. The inquiry was from XXXX XXXX, XXXX on my Equifax credit report. I submitted a dispute through Equifax and the result was Verified as accurate. I then contacted XXXX and was told there was no inquiry initiated by them. I submitted a new dispute and talked to Equifax and was told that XXXX verified the inquiry to them as accurate yet again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: OH

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
Innovative Recovery contacted me about three weeks ago about a supposed debt I owed. Every single person I have spoken to on the phone has been rude and refuses to be helpful. I asked for a detailed itemized receipt of the supposed debt to try and ascertain why I would possibly if at all owe anything to anyone. They sent a letter to my job initiating my boss to ask why a debt collector was coming after me. They constantly call during the day while I am at work. They refused to send me an itemized receipt and the most recent communique I received has the wrong name on it. I do not believe I owe this debt at all since they will not provide me with evidence I do and instead opt to harass me and badger me hoping I will give them money. I've asked them to not call me, they call me. I've asked them to give me an itemized receipt, they refuse. When I talk to anyone on the phone they start yelling at me.

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 2023-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citi Bank claim case ID : XXXX XXXX XXXX XXXX XXXX I opened a dispute with Citi Bank in the amount of {$250.00} regarding a transaction to XXXX that I was charged twice for. Some history of the transaction is : in XX/XX/XXXX I made a purchase at XXXX while traveling, it was a legitimate purchase, at the same time my debit card through XXXX XXXX XXXX was used fraudulently and I opened a dispute with them. I mistakenly added the XXXX charge to that dispute it shouldn't have been added. I received an email from XXXX informing me of the disputed charge and they stated that I needed to pay the {$250.00} and contact XXXX XXXX XXXXXXXX which I did. I paid the {$250.00} on my Citi Debit Card and XXXX XXXX XXXXXXXX reversed the chargeback so now I've paid for the order twice. I contacted XXXX and they stated that they would not credit my account and that I would need to go through Citi to dispute the double charge and receive the funds. 

I filed the dispute with Citi on XXXX  and on XXXX  I received a letter from Citi requesting additional information and backup information on the disputed charge. I provided this information to Citi via email on XXXX  ( 5 business days after initiating the dispute ). I sent the form Citi requested along with the chat transcript from XXXX where they confirmed the double charge and stated that I needed to go through Citi. 

I confirmed with Citi via chat and phone call that the letter was received and added to the account as their letter stated I needed to respond by XXXX  they confirmed on XX/XX/XXXX that the information was received. I've been in regular contact with Citi to get an update on when a temporary credit would be made on my account for the {$250.00}, no updates have been given, all I get is a generic response saying it's being reviewed or investigated. On XX/XX/XXXX ( 15 business days after filing the dispute ) I was told the dispute was closed due to lack of information being received within 10 business days. This is not true or accurate, the information was submitted 5 business days after the dispute was opened. The agent stated that the dispute was re-opened after receiving the information, she stated that the information wasn't received until XX/XX/XXXX, that's not true either. I stated that is unacceptable, I've provided information within the required time and a temporary credit needs to be applied to my account in the amount of {$250.00}. I gave them until close of business yesterday to provide a credit and an update they did not. 

Citi has exceeded the 10 working days to investigate or provide temporary credit we are now at working day 17. I have provided all information requested within the requested timeframes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: DE

Complaint narrative:
Based on information provided by Cedars Business Services, I responded in writing multiple times laying out the facts of the transaction based on information they provided. My letters were never directly acknowledged, nor did they respond to the facts presented. 

The letters I sent to Cedars Business Services are attached. 

The bottom line : According to the following definition, I am a bona fide purchaser for value and did not incur the debt Cedars Business Services is trying to collect. To the best of my knowledge Cedars Business Services has not attempted to collect the debt from the " party who fraudulently transferred the property to the bona fide purchaser. '' A bona fide purchaser for value, good-faith purchaser, innocent purchaser for value, purchaser in good faith. Innocent purchaser of property who purchases for value without notice of any other partys claim against the property. So long as a bona fide purchaser properly records the transaction, the bona fide purchaser takes good title to the property despite competing adverse claims. Those parties holding competing adverse claims may bring an action only against the party who fraudulently transferred the property to the bona fide purchaser.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 2023-11-16 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: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Accurate Background
State: LA

Complaint narrative:
I was denied a job because of failure to provide required documentation for something that I already told them wasnt even on my record yet. Im being denied for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I used Afterpay to buy a item from XXXX, my order was cancelled. I then reached out to customer service to ask if I shouldve filed a dispute, I also asked how long would the money take to show back in my account and if I should do any other steps. Ive gotten no reply on the app nor have I gotten a reply through my email. My order was cancelled 5 minutes after it was placed. My purchase was {$540.00} which was placed on XXXX XXXX  I paid {$130.00} upfront and the company has yet to reply or even remotely review my dispute claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
I have disputed this debt before with Sunrise Credit Services which has since been deleted from my credit report on XX/XX/2022 and closed however and for some reason they have placed it back on my credit report this year causing a negative impact to my credit 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 explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX AMERICAN EXPRESS DENIED, DISCRIMINATED AND DAMAGED MY CONSUMER REPUTATION. I DEMAND MY SECURITIES THAT I ISSUED TO AMERICAN EXPRESS BE USED TO OPEN AND FUND MY ACCOUNT. TRUST INDENTURE STATES THE SECURITY INTEREST IN THE COLLATERAL IS GRANTED TO SECURE THE NOTE!! SO WHY WAS I DENIED MY SECURITIES? I ISSUED A SECURITY COLLATERAL ( PROMISSORY NOTE ) THE INTEREST SHOULD HAVE GRANTED ME AN ACCOUNT/CREDIT WITH AMERICAN EXPRESS XXXX 
I BELEIVE MY PROPERTY IS BEING ADMINISTERED WITHOUT MY CONSENT AND I DEMAND IMMEDIATE RESTORATION AMERICAN EXPRESS. AMERICAN EXPRESS RECEIVED A ELECTRONIC CHECK TO OPEN AND FUND AN ACCOUNT FOR A CONSUMER AND INSTEAD STOLE FROM THE CONSUMER. OPEN THE ACCOUNT AND RETURN ALL PROCEEDS OBTAINED WITHOUT MY WRITTEN CONSENT

Company response to consumer: Closed with explanation