vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 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: CA

Complaint narrative:
I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
PayPal is used by a merchant to take credit card payments online.

PayPal wont send a text to my telephone number which is apparently registered to an account. 
Therefore, I can not complete the transaction with the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Reported XX/XX/year> Amount- {$990.00} I am not liable for this debt with MIDLAND CREDIT MANAGEMENT . I do not have a contract with MIDLAND CREDIT MANAGEMENT. They did not provide me with the original contract as I requested. Please delete and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: TX

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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I purchased a chair in XX/XX/XXXX for {$1300.00} with a discount code and it was received damaged with missing parts. I contacted XX/XX/XXXX same day of receipt and asked for missing parts. I had not heard from the business for weeks and XXXX day while away an item was supposedly delivered and returned back as I had not ordered a second item nor authorized a purchase. Been in contact with XX/XX/XXXX for months who stated in thei communication that they received the item and that I was credited but I am getting the run around and have not been refunded for a returned item. Spoke to XX/XX/XXXX and the XX/XX/XXXX at XX/XX/XXXX CITI XX/XX/XXXX keeps REBILLING me with unauthorized charged for this return in an attempt to extort money and fees out of money when the retailer wrote via email and toldXX/XX/XXXXthat thye have the item and that I was refunded. I will not purchase here again. SEE ATTACHED DOCUMENTS HERE AS PROOF OF RETURN AND CREDIT BY MERCHANT!!! 

To whom it may concern, This customer was sent a full replacement chair as the supplying partner was not able to send just the part that was needed. Because a full replacement was shipped, a return was expected in our system- presumably, this would have been the replacement order after the needed parts were taken, but a return of either the original or replacement chair would have been accepted. 

We made several attempts to provide the customer with free, prepaid return labels, but the customer 's duplicate chair was never received. Our system identified the customer has having XXXX chairs in their possession, and a replacement charge was scheduled but never captured. 

A Customer Service agent completed the return in our system on XX/XX/XXXX. This generated an automated email to the customer stating the return was " accepted, '' but it does not actually confirm any item was received, only that the return was completed in our system and that no replacement charge will occur. 

The customer is in possession of XXXX chair, and has only been charged once. No other refund for this chair was promised or inferred. 

Sincerely, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: TX

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXXXX/XX/XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXXXX/XX/XXXXSection XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XX/XX/XXXX( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXXXX/XX/XXXX ( XXXX ) 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: EQUIFAX, INC.
State: TX

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 XXXX. 

15 U.S.C XXXX section XXXX XX/XX/XXXX States I have the right to privacy. 

15 U.S.C XXXX Section XXXXXX/XX/XXXXSection XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXXXX/XX/XXXX XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

15 U.S.C. XXXXXX/XX/XXXXA 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
To put it short. I graduated from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> with my XXXX XXXX XXXX XXXX. 

I have never defaulted on a payment but still owe over {$140000.00} due to fluctuating interest rates, and non-flexible repayment plans that continue to capitalize on my loan with interest. And pretty much pay them over {$800.00} a month not to harass me. 

Since I graduated, all of XXXX XXXX XXXX XXXX have been shut down and recently the XXXX XXXX XXXX have deemed the institution a fraud. Canceling all federal loans for my demographic. The only issue is I have private loans that they continue to take which is bad of the {$140000.00} owed to them. I am buried. I need relief. 

I need to find a way to get my private loans XXXX because I am paying back a debt from a fraudulent school recognized by the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I received a call from Wells Fargo XX/XX/XXXX saying there was suspicious charges on my debit card. I went through the charges with the rep, and we shut down my debit card and issued a replacement new card to be delivered by XXXX on XX/XX/XXXX. I never received this card, but it was used on XX/XX/XXXX at a Wells Fargo ATM to move {$3000.00} from my savings to checking. They also increased my withdrawal amount from {$500.00} to {$2000.00} and were successful in taking {$3000.00} from me illegally. Wells Fargo called again to notify me of suspicious activity and I confirmed it was not me making these transactions, my card was shut down for the second time, and I changed my username and password for my online banking account, and changed my account numbers. I also filed a fraud claim with Wells Fargo and a police report with my local department. On XX/XX/XXXX I was notified by Wells Fargo that my fraud claim was resolved without evidence of suspicious activity. On the same day I reopened my claim, confirming once again I did not make these transactions on my account. 

On XXXX I was notified by Wells Fargo that my fraud claim was resolved without evidence of suspicious activity. On the same day, I called to reopen the claim but was told that I could no longer reopen my claim. I was also told that it would take 30 days to receive written details as to why my claim was denied. A Wells Fargo representative also told me my only option would be to visit where I was originally defrauded ( which was at Wells Fargo branch ) to have them submit a claim on my behalf to restart the entire claims process. I then called the branch to confirm this information and was told all they can do is call the same fraud department, but would not be able to assist further in gaining information regarding my claim investigation OR retrieve the funds lost from my checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: MN

Complaint narrative:
I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX : XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXXXX/XX/XXXXXXXX, NY XXXX XX/XX/XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXX/XX/XXXXNY XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: NY

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- EQUIFAX : XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XX/XX/XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXX/XX/XXXXXXXX, NY XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX, Forced Homeowners Insurance was purchased for my loan for the amount of {$5600.00}. I was not aware of the purchase till XXXX of XXXX, as my monthly payments did not increase till then. 

On XX/XX/XXXX, I provided proof of homeowners insurance from XX/XX/XXXX- XX/XX/XXXX to the insurance department at XXXX. I was told that I now showed continuous coverage. 

Next I received a letter dated XX/XX/XXXX informing me that the lender-placed insurance for the property was cancelled effective XX/XX/XXXX. 

On XX/XX/XXXX, I called NewRez customer service at XXXX to inquire about the refund of forced insurance premiums and related fees. I was told that XXXX XXXX XXXX, my previous mortgage servicer, was responsible for the charge of {$5600.00} and that I needed to contact them for a refund. I was unable to contact XXXX XXXX XXXX and later found out that XXXX XXXX XXXX was acquired by NewRez. I called NewRez again and this time was told to submit a request in writing to XXXX. I sent a request to NewRez on the same day and asking to be refunded forced insurance premiums and fees. 

As of XX/XX/XXXX, I have not been refunded forced insurance premiums or related fees or heard again from NewRez.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to express my profound disappointment with the ongoing presence of fraudulent account on my credit report. Despite reporting the case of identity theft and contacting the respective companies associated with this fraudulent account, they have failed to provide the necessary records. However, they assured me that upon submission of the required FTC report, the fraudulent accounts would be promptly removed. 

This account require your immediate attention : XXXX XXXX XXXX. 

It is important to note that both XXXX and XXXX have already removed this account from their records after identifying and rectifying an error. I find it perplexing that your bureau continues to verify this account when other agencies have already addressed the issue. I urge you to promptly remove this inaccurate, erroneous, incomplete, or unverifiable account from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief