vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-18 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: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2022, I ordered a TV from XXXX website. The TV came out defective and a replacement was requested which would take about XXXX weeks to arrive. A week after the replacement was approved, I went on the XXXX website and realized I can order the same TV for a cheaper price that would arrive before the approved replacement. I canceled the replacement and placed a brand new order and I returned the original defective TV to XXXX. a XXXX party company, pilot delivers, picked up the defective TV on XX/XX/2022 and it was delivered to XXXX facility on XX/XX/2022 and it was signed by XXXX XXXX Since then, amazon has not issued my refund and they claim according to their records the tv was never returned. I opened a dispute with my Discover credit card company, which after XXXX  months came out on XXXX 's favor. Before opening a dispute, I have tried to resolve the issue with XXXX but they would hang up the phone every single time after telling me they do not have their TV. The full order number is XXXX placed on XX/XX/XXXX, XXXX the website to track the returned TV is pilotdelivers.com and the shipment number is XXXX and the zipcode is XXXX. I have tried to get this issue resolved with XXXX throughout the months and I have called at least XXXX times in regards to this issue and every time their resolutions department hung up the phone without helping me. After going back and forth between discover credit card and XXXX in regards to this issue, both parties advice me to contact the other party to resolve my issue. XXXX states that disbute has been closed and refund has been issued to my credit card, and my Discover credit card states that dispute has been closed and the purchase is authorized therefore the temporary credit was charged back on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: GA

Complaint narrative:
15 U.S.C. 1681 Section 602A 15 U.S.C. 1681 Section 604A XXXX XXXX  XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance XXXX XX/XX/XXXX, XXXX {$380.00} Original balance- {$380.00} Account info-Account number XXXX Date openeXXXXy XXXX, XXXX Account type-Collection Status-assigned to attorney, collection agency, or credit XXXX 's internal collection department XXXXXXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX {$1000.00} Account info-Account number XXXX Date opened-Mar XXXX, XXXX Account type-Collection Status assigned to attorney, collection agency, or credit XXXX 's internal collection department XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX {$14000.00} Account XXXX Account XXXX Date opened-XXXX  XXXX, XXXX Account type-Collection Status assigned to attorney, collection agency, or credit grantor 's internal collection department XXXXXXXX XXXX XXXX Balance on XX/XX/XXXX, XXXX {$420.00} Account info Account XXXX Account status-Closed Date opened-XXXX XXXXXXXX, XXXX Account type-Credit Card XXXX Account XXXX Account XXXX Account status-Closed Date opened-XXXX  XXXX, XXXX Account type-Charge Card XXXX XXXX XXXX  Balance on XX/XX/XXXX, XXXX {$650.00} Account info Account XXXX Account status-Closed Date opened-XXXX  XXXX, XXXX Account type-Credit Card XXXX XXXX Balance on XX/XX/XXXX, XXXX {$7500.00} Account info Account XXXX Account status-Open Date opened-XXXX  XXXX, XXXX Account type-Credit Card XXXX XXXX/XXXX  Balance on XX/XX/XXXX XXXX XXXX {$400.00} Account info Account XXXX Account status-Open Date opened-XXXX  XXXX, XXXX Account type-Credit Card

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 2022-08-18 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:
15 U.S.C. 1681 Section 602A 15 U.S.C. 1681 Section 604A XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance XXXX XX/XX/XXXX, XXXX {$380.00} Original balance- {$380.00} Account info-Account number XXXX Date opened-May XXXX, XXXX Account type-Collection Status-assigned to attorney, collection agency, or credit XXXX 's internal collection department XXXXXXXX XXXX XXXX  Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX {$1000.00} Account info-Account number XXXX Date opened-XXXX  XXXX, XXXX Account type-Collection Status assigned to attorney, collection agency, or credit XXXX 's internal collection department XXXXXXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX {$14000.00} Account XXXX Account XXXX Date opened-XXXX  XXXX, XXXX Account type-Collection Status assigned to attorney, collection agency, or credit XXXX 's internal collection department XXXXXXXX XXXX XXXX Balance on XX/XX/XXXX, XXXX {$420.00} Account info Account XXXX Account status-Closed Date opened-XXXX  XXXX, XXXX Account type-Credit Card XXXX Account XXXX Account XXXX Account status-Closed Date opened-XXXX  XXXX, XXXX Account type-Charge Card XXXX XXXX XXXX Balance on XX/XX/XXXX, XXXX {$650.00} Account info Account XXXX Account status-Closed Date opened-XXXX  XXXX, XXXX Account type-Credit Card XXXX XXXX Balance on XX/XX/XXXX, XXXX {$7500.00} Account info Account XXXX Account status-Open Date opened-XXXX XXXX, XXXX Account type-Credit Card XXXX XXXX Balance on XX/XX/XXXX XXXX XXXX {$400.00} Account info Account XXXX Account status-Open Date opened-XXXX  XXXX, XXXX Account type-Credit Card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I recently pulled my consumer report and I noticed some inaccuracies. Immediately after I reached out to the credit reporting agencies as well as the creditors who were reporting this information. Every time I reached out to request a re-investigation they would send back generic letters stating the accounts were verified and refused to remove them. The same goes to say about the debt collectors providing the information. I am submitting this complaint because I no longer have faith in the Credit reporting agencies to fulfill their responsibility. Their job is to report 100 % accurate information at all times. When a consumer identifies items they believe are not accurate, they should conduct a competent and fair investigation, one that is not unfavorable to the consumer. They should respect the consumer 's right to privacy. They should ask for consumers ' authorization or consent before furnishing information that is untrue. In fact, 15 USC 1681 states that's exactly what they are legally required to do.

In addition to that, I am writing this complaint, because I sent all violating debt collectors Cease and Desists as well as a Validation of Debt request, but I never received the validation of the debt and to date, the information is still being furnished my consumer report. Therefore they willingly and knowingly ignored my Cesist and Desist.

This is a blatant disregard for my consumer rights which is unlawful and insane. Pursuant to 15 USC 1692c and 15 USC 1692g, this is my legal right as the consumer. This type of conduct undermines the consumer and has damaged my confidence in the banking system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific account in my document coming about because of the wrongdoing. The account I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$460.00}

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 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom this may concern, This notice is in response to Experian furnishing my personal information from XXXX XXXX XXXX  on my credit report without my permission on XX/XX/2022. I never gave Experian written instruction to furnish any of my personal information on my credit report, in violation of 15 USC 1681b ( 2 ) consumer reporting agencies can only furnish a consumer report in accordance with written instruction. Experian responded to my complaint by saying they investigated this dispute by verifying the information from, XXXX XXXX XXXX. This investigation is to be done through personal interviews with my neighbors, friends, or associates and NOT specific factual evidence on my consumer record obtained directly from a creditor, XXXX XXXX XXXX violation of 15 USC 1681a ( e ) definition of an investigative consumer report. 
Pursuant to 15 USC 1681 congress found that credit reporting agencies assumed this vital role and must exercise their grave responsibility with fairness, impartiality, and respect for my privacy. In addition, Experian is reporting transactions or experiences between myself, XXXX XXXX, and the company, XXXX XXXX XXXX violation of 15 USC 1681a ( d ) ( 2 ) ( i ) a consumer report exclusions. Pursuant to Experians policy, Experian also obtains my personal information from other Experian companies ( affiliates ), in violation of 15 USC 1681a ( d ) ( 2 ) ( ii ) consumer report exclusions. I demand that Experian remove the information reporting in regards to XXXX XXXX XXXX immediately and cease and desist all communications through all mediums with any third party company in regards to my credit report 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 2022-08-18 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: FL

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. 15 U.S.C 1681 Section 602 A. States : I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section XXXX States : A consumer reporting agency can not furnish an account without my written instructions. 

I never gave my written consent for the furnishing of any of these accounts. 

My associates and I will pursue {$1000.00} per violation if the accounts are not deleted 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 2022-08-18 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX 2012

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This dispute is involving XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) and Wells Fargo Bank, N.A ( Wells Fargo ). 

On XXXX XX/XX/2022, I was approved for a balance transfer totaling {$5000.00} from Wells Fargo. The {$5000.00} was supposed to be paid to my XXXX Credit Card balance. The total balance for my XXXX Credit Card was just over {$10000.00} when this balance transfer was approved. On XXXX XX/XX/2022, I received my Wells Fargo XXXX credit card in the mail with the outstanding balance of {$4900.00}. Fast forward to today 's date, XXXX XX/XX/2022, the balance for my XXXX XXXX has not reflected the payoff amount that was supposed to come from Wells Fargo and still holds the {$10000.00} balance. 

I contacted a representative from Wells Fargo customer service team and was told that the funds were electronically deposited into a XXXX XXXX XXXX account for {$5000.00} on XXXX XX/XX/2022. I do not have an auto loan with XXXX so I called XXXX XXXX  customer service and was told that there is no Auto Loan account with my information and that they have not received any funds from Wells Fargo. I then contacted Wells Fargo again and spoke to another rep. After explaining my situation again, this time I was told that this issue will be looked into and I will hear back from a service agent within 90 days. When asked for a dispute number that I can reference, I was told that there was not one and that there will be a note in my file. How do I truly know that my situation is being worked on if there is no way to reference my issue? 

XXXX XXXX  is denying to have the funds, while Wells Fargo is adamant that the funds were successfully deposited. In the meantime, I am responsible for making payments for an extra {$5000.00} that I never received, in addition to taking the hit on my credit score due to an extra {$5000.00} balance that popped 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 2022-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Hello, From XX/XX/2022, I have contacted XXXX several times regarding several issues. 
1. They have chargeoff accounts that were on my report even after my bankruptcy has been XXXX.

2.they removed a great account inquiry from XXXX XXXX XXXX and they have several names that I have never used on my report. 
3. XXXX XXXX never responded to my dispute, they didn't respond to the BBB and I asked XXXX for their inaccurate information to be removed. 
4. XXXX XXXX XXXX XXXX sent XXXX, the XXXX  and myself a letter and told XXXX that I was never late with a payment and they are still reporting that I was late even after the investigation was updated. 
5. XXXX XXXX was included in my Bankruptcy which is XXXX  and they are still on my report, with inaccuracies. I am a Veteran and the VA paid most of my debt and they are reporting that I owe them {$230000.00}. I have shared this inaccurate information with Both companies but XXXX sent the XXXX  a copy of my Bankruptcy to help validate XXXX XXXX claim. Without my authorization to do so. 
6. XXXX has blocked me from seeing any updated information for XXXX XXXX therefore I can no longer dispute anything. 

All these inaccuracies have made my credit score decrease to XXXX. I have had to contact the XXXX  several times showing them that XXXX is not complying with the FRCA.

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 2022-08-18 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: KY

Complaint narrative:
Hello, From XX/XX/2022, I have contacted XXXX several times regarding several issues. 
1. They have chargeoff accounts that were on my report even after my bankruptcy has been XXXX. 
2.they removed a great account inquiry from XXXX XXXX XXXX and they have several names that I have never used on my report. 
3. XXXX XXXX never responded to my dispute, they didn't respond to the BBB and I asked XXXX for their inaccurate information to be removed. 
4. XXXX XXXX XXXX XXXX sent XXXX, the XXXX  and myself a letter and told XXXX that I was never late with a payment and they are still reporting that I was late even after the investigation was updated. 
5. XXXX XXXX was included in my Bankruptcy which is XXXX and they are still on my report, with inaccuracies. I am a Veteran and the VA paid most of my debt and they are reporting that I owe them {$230000.00}. I have shared this inaccurate information with Both companies but XXXX sent the XXXX  a copy of my Bankruptcy to help validate XXXX XXXX claim. Without my authorization to do so. 
6. XXXX has blocked me from seeing any updated information for XXXX XXXX therefore I can no longer dispute anything. 

All these inaccuracies have made my credit score decrease to XXXX. I have had to contact the XXXX  several times showing them that XXXX is not complying with the FRCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I recently pulled my consumer report and I noticed some inaccuracies. Immediately after I reached out to the credit reporting agencies as well as the creditors who were reporting this information. Every time I reached out to request a re-investigation they would send back generic letters stating the accounts were verified and refused to remove them. The same goes to say about the debt collectors providing the information. I am submitting this complaint because I no longer have faith in the Credit reporting agencies to fulfill their responsibility. Their job is to report 100 % accurate information at all times. When a consumer identifies items they believe are not accurate, they should conduct a competent and fair investigation, one that is not unfavorable to the consumer. They should respect the consumer 's right to privacy. They should ask for consumers ' authorization or consent before furnishing information that is untrue. In fact, 15 USC 1681 states that's exactly what they are legally required to do.

In addition to that, I am writing this complaint, because I sent all violating debt collectors Cease and Desists as well as a Validation of Debt request, but I never received the validation of the debt and to date, the information is still being furnished my consumer report. Therefore they willingly and knowingly ignored my Cesist and Desist.

This is a blatant disregard for my consumer rights which is unlawful and insane. Pursuant to 15 USC 1692c and 15 USC 1692g, this is my legal right as the consumer. This type of conduct undermines the consumer and has damaged my confidence in the banking system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$85.00}

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