vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
I hope you can help I reached out to the bureaus on XX/XX/2023 and haven't gotten a response. I noticed so incorrect info on my report I'm getting upset! Also I dont know who these creditor are! I will list the accounts below! 

1. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

5. Identity Theft XXXX Account Number : XXXX Please investigate and delete from my credit report. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

7. Identity Theft XXXX Account Number : XXXX Please investigate and delete from my credit report 6. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report. 
7. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report. 

8. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report. 

9. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from 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 non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, 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 ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine!

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 2023-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: CO

Complaint narrative:
Debt repayment established with medical provider. Pay portion each month. Monthly payments cashed & clear my bank account by provider. 

Collection company, XXXX XXXX XXXX XXXX ( XXXX ), calls threatens me that I must pay everything NOW. Collection company informed via a XXXX XXXX XXXX XXXX XXXX XXXX  correspondence, a monthly payment already established with medical provider. Collection company NEVER responds to XXXX correspondence regarding the established repayment agreement with provider. 

Next, XXXX sells my account to collection company XXXX XXXX XXXX XXXX ( XXXX ). XXXX sells my account to collection company Wakefield & Associates ( W & A ). W & A records this fraudulent attempt to collect everything NOW to my Credit Report. This is false and causes me harm. Remove. XXXX failed to respond. W & A fails to respond. This is criminal fraud. 
XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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.

Repost

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, 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: KY

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2023-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Uprova Credit, LLC
State: IL

Complaint narrative:
I first applied for a loan in early XX/XX/2023. I was denied, and the phone rep told me they couldn't provide a reason for denial over the phone, and that I would receive the reasons for denial by email or postal mail. I was also told that I could try applying the next day. 

I've applied each day since then. Each day, I have been denied. I finally received the denial letter from early XXXX, and it simply states " Unable to verify application information. '' I called the company to see what it was that I needed to do in order to submit an application with information that could be verified. The agent again refused to provide any additional information on what information could not be verified or how I could submit an application that would be approved, and again told me that I could try applying again tomorrow.

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 2023-05-26 00:00:00
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint about the credit card charge dispute. I used my Chase Freedom Card ending XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The transaction involved the purchase of three {$500.00} gift cards. However, the store was able to activate only two of three gift cards but I was still charged for all three. I brought this to the attention of the store manager, store bookkeeper. They helped me reach out to the store headquarters and file case # XXXX to document this incorrect charge. I was also advised to dispute the charge with the credit card company to get a refund. 

I disputed the charge on my said credit card on XX/XX/XXXX, but my claim was declined by Chase indicating that the charge was valid. The document shared by XXXX XXXX to Chase was given to me which clearly showed that the Gift card activation had FAILED. I brought this to the notice of Chase Customer Agent and they helped me file a redispute in XXXX. There has not been any further action taken since. 

I reached out today ( XX/XX/XXXX ) for the status of the dispute, it has not been resolved or handled yet. I have all the documents ( store receipts ) and the letter shared by XXXX to Chase that shows the transaction had indeed FAILED. 

I am hoping filing this complaint will help me recover my hard-earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XX/XX/2020 # XXXX XXXX XXXX XXXX XX/XX/2020 # XXXX XXXX XXXX XXXX XX/XX/2020 # XXXX 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( AX ( 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. 

I have sent multiple disputes regarding these accounts that have ALL come back Verified Accurate/Complete, but when I sent my last dispute of accuracy and completeness of reporting, I included documents from XXXX, equifax and XXXX which show different information being reported, I was prompted with an Updated Credit report that is STILL INCOMPLETE and/or INACCURATE. there should not need to be information added/updated if an account is being reported to its completeness with 100 % Accuracy. 

These fraudulent reports have adversely affected my creditworthiness to competitors, therefore I request immediate removal of the following incomplete/inaccurate accounts from my credit report : XXXX XXXX XX/XX/2020 # XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XX/XX/2020 # XXXX XXXX XXXX XXXX XX/XX/2020 # XXXX XXXX XXXX XXXX XX/XX/2020 # XXXX 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( AX ( 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. 

I have sent multiple disputes regarding these accounts that have ALL come back Verified Accurate/Complete, but when I sent my last dispute of accuracy and completeness of reporting, I included documents from XXXX, XXXX and Experian which show different information being reported, I was prompted with an Updated Credit report that is STILL INCOMPLETE and/or INACCURATE. there should not need to be information added/updated if an account is being reported to its completeness with 100 % Accuracy. 

These fraudulent reports have adversely affected my creditworthiness to competitors, therefore I request immediate removal of the following incomplete/inaccurate accounts from my credit report : XXXX  XXXX XX/XX/2020 # XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
The company below is refusing to verify my identity to get into my account as you will see. I have a new number and can not get into my account since I can not receive the verification code to my old phone. I initially tried to login to do this because I also had to get a new bank account recently and realized I couldnt login to switch the information and make a payment. Ive contacted PenFed credit union several times and talk back and forth with them on how to verify my information to change my phone number and bank information to make a payment on some way or another. They asked for a copy of my phone bill to my current address, and my photo i.d . Which I provided to them multiple times, To continually get denied. I am now over a month behind because they refuse to fix these issues and take my payment which I had at the time. You will see in the emails I ever let my XXXX get the best of me in the last one and told them to take the car if they refuse my payment. Obviously this isnt what I want but Im at my wits end and dont know what to do it seems pointless. I will include email attachments with dates. I can not get my account, or loan number due to not being able to login to my account. But my names XXXX XXXX my address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, my car is a XXXX XXXX XXXX XXXX  model, and my online username is XXXX for my PenFed account. Hopefully they can pull it up with this information 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 2023-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My phone was stolen and my account had been used and i havent used any money from account. I want my money back

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FISERV FINXACT CORE
State: IA

Complaint narrative:
This correspondence is a complaint and should be recorded and tracked as such. 

On Friday XXXX, XXXX, 2023, I went to XXXX XXXX in XXXX, Iowa to purchase a dryer for a rental unit my husband and I own. Over the years, we have purchased many goods from XXXX XXXX using cash, credit, and/or checks. I wrote a personal check ( Check # XXXX ) for the amount of the dryer, vent kit, cord, and taxes. in the amount of {$700.00}. There were more than sufficient funds in our bank account and we have maintained accounts at this bank for some years. 

The clerk ran the check through Telecheck and the check was " denied '' with no specific reason provided. Effectively, Telecheck denied my credit. I immediately told the clerk I wanted to speak to a manager who came over. My husband was out of town, so I called and put him on speaker phone. My husband said to take the check and leave and he would buy a dryer at XXXX when he came back to town. 

The manager was very apologetic and agreed to process my check as cash, which he did. So, I was able to purchase the dryer without using my own credit cards or applying for a XXXX XXXX credit card. The fact remains ; however, that Telecheck denied, or recommended disapproval to a retailer of, my check and has provided me with nothing in writing. The clerk handwrote " XXXX '' on my order but I don't know whether this is a denial code. This transaction happened in the public area of the store with other customers milling about. 

I attempted to use the Telecheck website to find out but couldn't get through on the website. I phoned Telecheck and it wanted an excessive amount of personal information about my bank account and me, which I am wary of providing because I do not know what will Telecheck will do with it. 

Telecheck had no valid reason to deny a check from my account or recommend that a company not take it. I request that your agency investigate Telecheck to determine why it is denying or recommending that a retailer not take a check from a bank customer 's long term account where there is sufficient funds in the account. Further, I request that you investigate the algorithms that Telecheck is using to deny me the right to use a valid check ensure that it is not unlawfully discriminating against any subgroups of individuals based on, but not limited to categories such as age and gender. 

Specifically, I would like to know whether Telecheck has violated the Equal Credit Opportunity Act or the Fair Credit Reporting Act or any other laws. 

Thank you for your attention to this matter, and I look forward to hearing from 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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc.
State: CA

Complaint narrative:
During the time of " Late Payment '' I incurred XXXX issues ( XXXX ) that prevented me from paying the agreed amount with the agreed percentage increase. Given 15 U.S. CODE 1665 C, they should have considered reduction in annual % rate. This was not factored into the amount owed. Therefore, I would like to have the late payment reports to be removed. I am of better condition than previously and have reached out to the companies to arrange the payments to be finalized in its full within 2-3 payments. If CFPB can remove these items in a timely manner that would be exceptionally appreciated. 

___________________________________________________________________ XXXX XXXX : *DATES : XX/XX/XXXX ( 30 DAY LATE PAYMENT ) ___________________________________________________________________ XXXX XXXX : *DATES : XX/XX/XXXX ( 30 DAY LATE PAYMENT ) ___________________________________________________________________ XXXX XXXX : *DATES : XX/XX/XXXX ( 30 DAY LATE PAYMENT ) XX/XX/XXXX ( 30 DAY LATE PAYMENT )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
During the time of " Late Payment '' I incurred Health issues ( XXXX ) that prevented me from paying the agreed amount with the agreed percentage increase. Given 15 U.S. CODE 1665 C, they should have considered reduction in annual % rate. This was not factored into the amount owed. Therefore, I would like to have the late payment reports to be removed. I am of better condition than previously and have reached out to the companies to arrange the payments to be finalized in its full within 2-3 payments. If CFPB can remove these items in a timely manner that would be exceptionally appreciated. 

___________________________________________________________________ XXXX XXXX : *DATES : XX/XX/XXXX ( 30 DAY LATE PAYMENT ) ___________________________________________________________________ XXXX  XXXX  : *DATES : XX/XX/XXXX ( 30 DAY LATE PAYMENT ) ___________________________________________________________________ XXXX  XXXX  : *DATES : XX/XX/XXXX ( 30 DAY LATE PAYMENT ) XX/XX/XXXX ( 30 DAY LATE PAYMENT )

Company response to consumer: Closed with explanation