vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-28 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
cease and desust collections and cease clling and remove all cras

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 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The company is reporting XXXX below on my credit report and said they verified it they did not send me proof that it belongs to me, also who verified it, how it was verified after I sent a letter from the courts stating that they do not provide any credit bureaus with any information. 

Court : XXXX Bankruptcy Reference Number : XXXX Reason : Unverified Bankruptcy

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 2024-06-28 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: VA

Complaint narrative:
I have previously disputed with TransUnion, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2024-06-28 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: SC

Complaint narrative:
I ordered an updated credit report when I was denied a loan. When I received it, I noticed personal information and questions that were unrelated to me. I've lost my SS and Birth Certificates ; I'm assuming someone is using my identity. In addition, incorrect personal information and fraudulent inquiries were made : 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

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 2024-06-28 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: FL

Complaint narrative:
I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. The information I am disputing is as follows : 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 explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
WAKEFIED AND ASSOCIATES IS A COLLECTION AGENCY WHO HAS BOUGHT THIS DEBT FROM SOUTHEASTERN EMERGENCY SERVICES. I HAVE NEVER HEARD OF THIS COMPANY AND REQUESTED PROOF OF THE DEBT, WHICH I NEVER RECEIVED. I HAVE BEEN DISPUTING THIS DEBT FOR OVER A YEAR.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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:
No nation was taken by XXXX XXXX  because According to FCRA section 605b it is illegal to report information on my credit report without my permission. Thank you please remove this 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 2024-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES LLC sent notice to my employer to garnish my wages starting XX/XX/XXXX. I Filed a Claim of Exemption Form and received ORDER granting exemption and dissolving writ of garnishment due to Defendant Claim of Exemption, on XX/XX/XXXX. 

PORTFOLIO RECOVERY ASSOCIATES LLC has sent notice to my employer again to garnish my wages starting XX/XX/XXXX. I have since filed another Claim of Exemption Form on XX/XX/XXXX. 

I do not know of this debt or the original creditor if there is one. All court documents list is PORTFOLIO RECOVERY ASSOCIATES LLC as the Plantiff and/or JUDGEMENT CREDITOR. I have not ever received credit, products or services from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: SC

Complaint narrative:
I have previously disputed with XXXX, Experian and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: The Savings Group, Inc.
State: TX

Complaint narrative:
Hello Im reaching out today, in regard to my gap insurance needing to be canceled through Rategenius. Rategenius has informed me that I cant cancel my gap insurance and receive a prorated refund because after 60 days of purchase gap insurance is non-refundable I was never verbally informed of this when adding gap insurance through RateGenius. What happened is that I recently refinanced my vehicle again this month through XXXX on XX/XX/XXXX. Since I refinanced and was approved through XXXX I no longer need gap insurance through rategenius. The problem is Rategenius isnt allowing me to cancel the gap insurance through their company. XXXX laws states that all gap insurance policies can be canceled and pro-rated refund would be issued. My next issue is that both companies that I have refinanced with used the same exact XXXX XXXX but somehow with RateGenius its nonrefundable and with XXXX its refundable even though its the same exact company. All I need is assistance with getting refunded because my new Lien holder has added gap insurance within my new loan therefore I no longer need the gap insurance throuXXXXh RateGenius. I  am owed around {$700.00} Thanks! 

Refinanced with RateGenius on date : XX/XX/XXXX GAP XXXX : XXXX XXXX  XXXX : Nonrefundable after 60 days. 

Refinanced with Caribou on date : XX/XX/XXXX GAP XXXX : XXXX XXXX, XXXX Refundable after XXXX with prorated amount

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/year> my friend sent me payment for a pizza we had split earlier that day, it was XXXX if us I pisd for full amount upon everyone agreeing to send me back a portion of the pizza dinner payment, one had Venmo decided to send me there portion and another said just to send them there returning changing and split it with her, so me and my friend both didnt use Venmo and decided to make a account the same night side by side one another. After a hour of making the account they locked my money when it was XXXX and stated no reason of unacccount frozen or no email was sent, I needed that money to get to work and gas but they proceeded on ignoring me and waiting and telling me 3 days funds will be viable, its been 5 days they now said my account has been permanently disabled and will hold my funds for 180 days not giving a reason and all there employees were rude not professional and stated I will get my funds when they have time to get to my case I have the transcripts to prove it yesurday I argued with them and they just repeated the same ignore my questions and telling me. To try to message them again and they will lock me out my account indefinitely after I gave them the bank information they needed and got from me so now they dont answer have all my personal information and I keep getting transactions of wierd pursschses going on my bank account since I given them the information they have my funds still and ignore my messages and state I was doing inappropriate transactions when I only have XXXX transaction the account is less then XXXX week old and they did the same to all my friends mind they all got there money taken and given same reason of doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-06-28 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I recently noticed a hard inquiry from Wells Fargo XX/XX/2024 on my credit report, which I did not authorize. Upon discovering this unauthorized inquiry, I contacted the number listed on the credit report. However, they requested my social security number, which I was unwilling to provide. Consequently, I filed a complaint with XXXX. 

XXXX promptly responded the following day, indicating that Wells Fargo claimed to have obtained my permission. I unequivocally deny ever granting such permission. This unauthorized inquiry has adversely impacted my credit score. 

I am seeking assistance to have this negative mark removed from my credit report and, if possible, to pursue legal action against Wells Fargo for this unauthorized access to my credit information

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 2024-06-28 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: TX

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. 
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-06-28 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: TX

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. 
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-06-28 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: PA

Complaint narrative:
On XXXX XXXX I was viewing my consumer report and its relationship between I and the consumer reporting agencies. During my investigation I realized that my consumer report has inaccurate information that's being reported on my consumer report on a monthly basis. I was never notified by XXXX, TransUnion or XXXX that they are assembling and evaluating my consumer credit and other information about me. According to the FAIR CREDIT REPORTING ACT ( FCRA ) consumer reporting agencies are obligated to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated by the three reporting agencies when they assumed this role.They were not given express permission by me, the consumer or a competent court of jurisdiction to issue an order stating that the three major reporting agencies are obligated to report such information. According to 15 usc1681c ( a ) ( 4 ) ( 5 ) no consumer reporting agency may make any consumer report containing accounts placed for collections or charged to profit and loss or any other adverse item of information. Also according to the FCRA a consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that the information that is being obtained is through a personal interview with a neighbor, friend or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information.So, not only did they fail in the initial investigation of this information, they also assumed this role, and assumed this information was valid which is a violation of my consumer rights.They did not insure that this information is accurate and you did not exercise your grave responsibility with fairness and impartiality.They took one side of the story and never consulted with me or people that is close to me or that had knowledge of this information to find out if those transaction even took place. As a result of this my privacy has been breached and identity theft has been committed by the three reporting agencies which is a violation of my right to privacy.This mishap that the consumer reporting agencies has caused ruined my reputation and it has adversely affected my credit worthiness to extend credit.

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 2024-06-28 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
XXXX XXXX for XXXX XXXX XXXX XXXX XXXX  on XX/XX/2024 XXXX XXXXXXXX XXXX XXXX on XX/XX/2024 XXXX Card on XX/XX/202XXXX XXXX XXXX XXXXXXXX XX/XX/2024 XXXXXXXX XXXX XXXXn XX/XX/2024 XXXX XXXXXXXX XXXX on XX/XX/2024 XXXX XXXX XXXX on XX/XX/2024 XXXX XXXX XXXX on XX/XX/2024 XXXX XXXX XXXX XXXX on XX/XX/2024 XXXX XXXX XXXX XXXX the creditors above to have inquiries removed however they still appear on my credit report there are many inaccuracies they are reporting different dates on different credit bureaus and they are also fraudulent.

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 2024-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to have a Charge Off removed because the information reported in the 3 bureaus is not correct, I have sent letters but I have not received any response answering the inconsistencies that were found.

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 2024-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have called and attempted to arrange a payment plan with Discover. I asked for documentation to be provided as well. We initially setup a payment plan which failed and documentation from them was very little as I only received one letter. They did make it initially hard to setup a fair arrangement. They seemed very hesitant to send me any physical documentation and wanted correspondence over the phone only. I felt uncomfortable and asked for physical documentation. They did send one letter that did not include everything discussed on the phone and only about a week before our payment arrangement would start.

Company response to consumer: Closed with explanation