vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This is XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-15 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo is double dipping. They take money once when a purchase is pending and again when it clears for XXXX and XXXX. I requested bank and transaction logs. 

They double dip. They clear things twice and deny it. 

Back in XXXX, WF decided to stop letting my account overdraft. I tried to circumvent them by transferring money into my cashapp. They dont like it. They clear it twice. I dont have bank logs, but the math adds up. I want my money back!!!!! I have {$8.00} right now and havent bought ANYTHING basically from my {$3000.00} paycheck XXXX days 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 2023-09-15 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: GA

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 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 2023-09-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/ a dispute was filed on my behalf by XXXX XXXX for a BANKRUPTCY ACCOUNT ( XXXX ) EQUIFAX is reporting on my credit report. As of XX/XX/2023 I have yet to receive any results of my dispute. According to the FCRA, credit bureaus have 30 days to respond to a consumer 's dispute or the account should be DELETED. It has been 50 days with no response from EQUIFAX, which places them in violation of 15 USC 1681 ( i ). The only remedy for this matter is for EQUIFAX to delete this BANKRUPTCY ACCOUNT ( XXXX ) immediately. I intend on holding EQUIFAX liable for any undue financial hardship I've suffered by there negligence of the law and violation of my rights unless this DELETE this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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 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 2023-09-15 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: Block, Inc.
State: AL

Complaint narrative:
I received refunds totaling about {$550.00} and when they cleared my account they posted as a debit instead of a credit causing overdraft. I paid an additional {$550.00} so they owe me a total of around {$1100.00}. I have contacted them numerous times but they will not help, they just read from a script and will hang up on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX is reportingan alleged debt for devices already paid off. The only instrument I still pay for is an XXXX XXXX XXXX on a different account. I have submitted proof that I still pay for this device to XXXX under XXXX account # XXXX. XXXX XXXX XXXX is also reporting an alleged debt on my credit report ; I have repeatedly stated that this account is fraudulent, and nothing has been done.

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 2023-09-15 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:
Equifax, I was a victim of identity theft - please see attached credit report as well as FTC ID Theft Report. Please have these inaccurate items removed and fixed from my credit report immediately. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
We purchased a home on XX/XX/2023 and made our first payment due XX/XX/2023 to XXXXXXXX XXXX  ( check sent on XX/XX/2023 & receipt of XXXX payment sent to us ) as our loan transferring process was delayed. 

XXXX has 60 days to transfer the collected funds to the servicing Mortgage Company, BSI Financial, which was delayed.

We have been advised that after purchasing a home we can not get flagged for late payments for the first 60 days due to possible mortgage transfers that can take place. 
We have both been flagged by the credit bureaus for late payment of 30 days from BSI Financial although the original payment was submitted and received in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Duplicate inquiry from XXXX from Bank of America still is not removed as of XX/XX/. They said they would remove it within 90 days. Please remove it from my credit report per the attached letter you sent 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 non-monetary relief
Consumer complaint received 2023-09-15 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:
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 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 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: KS

Complaint narrative:
Regarding my now closed barclays arrival credit card. 

This is now the 4th time I've tried to get this resolved before I contacted a regulator. 

XX/XX/XXXX : fraudulent charge at XXXX on my Barclay arrivals card in amount of {$160.00}. 

XX/XX/XXXX : I logged into my account and noticed this fraudulent transaction notified barclays via customer service, spoke to two people including fraud department, was told there was nothing more I needed to do and transaction would be removed since fraud. 

Fast forward to XX/XX/XXXX, the fraud transaction posted XX/XX/XXXX. Received letter from barclays it was fraud and I wouldn't be responsible, but still have {$160.00} on my statement. 

I cal barclays again XX/XX/XXXX speak to two people including fraud department and let them know still not removed and now {$160.00} is due XX/XX/XXXX. I tell them it needs removed asap because it's fraud again and I won't pay for something that fraudulent and not sure why they let it post and still haven't removed it when I told them right away. They tell me to continue making minimum payments, no I won't. This is fraud you guys need to do your job. She says it will be removed within 24-48 hours. It's now XX/XX/XXXX which is 72 hours later and still not removed. I also write customer service via secure message and am told a manager would call me, nobody called. Cfpb needs to keep barclays accountable. I'd hate for my XXXX  or someone who is not tech savvy to have to deal with this. How mant times do I have to request they remove the fraudulent transaction? {$0.00} fraud liability means exactly that, I don't pay for fraud on the credit card. Especially given I let you know immediately, you should not have even allowed it to post. Refund the {$160.00} and do not charge me any late fees or interest. I won't pay for your incompetence.

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 2023-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
On XX/XX/XXXX I initiated a transfer of {$25000.00} to Wise Inc with the intent to convert it to XXXX  and use these funds to fund my living expenses in XXXX. After the stated 2-5 days the status changed to " We're running some checks ''. 

For the 30 days I patiently waited ; I didn't receive any correspondence from them. There had be no attempt to contact me ( phone, email or letter ). So I contacted them on XX/XX/XXXX to enquire the status of my money. I received a generic response stating it could take up to 30 working days or longer- with no other details. 

On XX/XX/XXXX I opted to cancel my transfer in hopes to have my money refunded. They told me that the " regulatory checks '' need to complete and can take any amount of time. 

I need this money to keep the lights on. This behaviour seems unethical and disgusting, even if it was only for a few XXXX dollars - this is my money and if I don't wish to use their bank then I expect it to be returned. If they have any issues they can discuss with my bank - XXXX. Holding a persons money hostage because they have the right is outright abuse to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: CA

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/2023 and also prior dates Comenity Bank continues to call me multiple times with one day. I had explain to them that I recently had a family death ( my son passed away ) and that I am also gathering all my debts to fill bankruptcy. I told them to please stop calling me and that my lawyer will reach out to them soon. But, it seems to be they dont care. 

Here is their contact information : Comenity Bank contact # XXXX XXXX at XXXX ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I went to a Mercedes of XXXX XXXX XXXX to purchase a vehicle which was supposed to be financed by Mercedes unfortunately they shop my loan with other companies without my permission which created a hard inquiry on my credit report. I only found out when i checked my credit. Which i think is wrong because i was told Mercedes do their own financing. Which was not in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: NY

Complaint narrative:
XXXX XXXX XXXX is reportingan alleged debt for devices already paid off. The only instrument I still pay for is an XXXX XXXX XXXX on a different account. I have submitted proof that I still pay for this device to XXXX  under XXXX account # XXXX. XXXX XXXX XXXX is also reporting an alleged debt on my credit report ; I have repeatedly stated that this account is fraudulent, and nothing has been done.

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 2023-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Brown and Joseph, Ltd
State: VA

Complaint narrative:
am XXXX XXXX XXXX. 

Due to a XXXX  XXXX recently I could no longer work and was placed on Long Term XXXX XXXX XXXX XXXX XXXXXXXX who referred my claim to a fraudulent company named XXXX who was supposed to help me build an XXXX  claim, however I learned that XXXX only wanted my award money from Social security if awarded XXXX. When I learned this I removed XXXX from representing myself in my Social Security XXXX determination for fraudulently representing me. XXXX and Brown & Joseph debt collection agency are working together to fraudulently force me to pay {$10000.00} in a surprise corrupt overpayment fee for their health insurance services when awarded social security XXXX insurance funds. XXXX has stolen {$3100.00} of my award money from the federal government XXXX Award recently issued to me by the XXXX, VA Social Security office who has not protected me. 

I reported this to the FTC hoping XXXX, XXXX, and Brown & Joseph will not retaliate against me. 

I am requesting the agency to defend me as a U.S. citizen with health challenges. I would like the agency to exonerate me of this {$10000.00} obligation. 

I really need your help and for you to intervene on my behalf to bring justice for me as I battle this severe health condition and the XXXX  processes. 

Thank you for any and all assistance and attention in this matter. 

They just filed and charge me for another XXXX XXXX dollars this past week

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On my Credit report it states XXXX different dates that this credit card was used and i'm unaware of that and also it has the different dates that the account has open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: MA

Complaint narrative:
Call in XX/XX/2023 ( unsure exact date as phone records cleared from phone ) to inquire about debt. Was told an itemized bill would be sent to me. 

Called approximately 30 days later on XX/XX/2023, placed two calls to collector to follow up. Again I quoted about itemized bill/collection details. They were unable to provide me any information and just said the bill would be sent out soon. 

Called today XX/XX/2023. Again requested status of letter, they were not able to provide me information. Said it would be pushed to management to get more information. 

This debt is preventing me from renewing my drivers license.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: FL

Complaint narrative:
Experian, I was a victim of identity theft - please see attached credit report as well as FTC ID Theft Report. Please have these inaccurate items removed and fixed from my credit report immediately. 

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 explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
i call trying to get these items removed they didnt removed them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: GA

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: DC

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 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 non-monetary relief
Consumer complaint received 2023-09-15 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I have already disputed these items, but the bureaus did not remove nor validate them.

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 non-monetary relief