vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, 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: MN

Complaint narrative:
I have been incarcerated for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX 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, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, All the above inquiries is unauthorized and should be disputed from my XXXX Report and all 3 Credit Bureaus XXXX XXXX And TransUnion Under the laws of the FCRA ( 15 USC 1681- 1681u, these unauthorized inquiries and accounts must be removed 15 USC 1681 section 602 Alpha 15 USC 1681 604 Alpha Section 2, 15 USC 1666 Bravo, 15 USC 1681 B. All which states these inquiries must be removed.

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 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
After discovering the status of this collection for {$18000.00} again with regional acceptance recovery team. The company pulled the date back from the collection agency in XXXX per the collection agency. I was not notified to give me no update. The company is still trying to collect on a charge off and has failed to steal update and report illegal voluntarily repo car on the interest-bearing loan to collect and keep me in debt, causing hardships to my life as a XXXX person. I have made numerous attempts to contact the Recovery Dept only getting voicemails and the runaround about the status of this collection. I have felt with the CFPB3 times to ask this company be investigated for the result of this death in collection written off that needs to be investigated. The company keeps sending a letter heads trying to show accuracy of a collection. They are refusing to communicate on and accurately update with volunteer information on the status in timeline of how this collection was handled. I am asking again to CFPB thoroughly investigate all employees and departments regarding this collection from XXXX to XXXX. I attempted to reach out to the corporate office in CEO no response I have continue to call all collection agency to have documented. No evidence of the collection in the office anymore. I have continuously call regional acceptance, Recovery Dept Ill need to get thrown around on the status of this I have also notified FDICN, the chief financial legislation, and now the state Attorney General office to have this matter reviewed.

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 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TX

Complaint narrative:
I paid a {$60.00} deposit to XXXX XXXX XXXX in XXXX on XX/XX/2023. The hotel did a refund to my cash app card on XX/XX/2023. I have not been refunded my money from the hotel. The hotel did their part, but cash app is refusing to refund it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I A

M SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ON XX/XX/23 I SENT A CERTIFIED DISPUTE LETTER TO EXPERIAN REGARDING INACCURATE ACCOUNTS ON MY CREDIT REPORT. AS OF TODAY XX/XX/23 THEY HAVE YET TO INVESTIGATE OR RESPOND TO THE DISPUTE LETTER. ACCORDING TO THE FAIR CREDIT REPORTING ACT, THEY HAVE 30 DAYS FROM THE TIME THEY RECEIVE THE LETTER TO INVESTIGATE AND RESPOND.

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 2023-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: GLOBAL SOLUTION BIZ LLC.
State: PA

Complaint narrative:
XXXX XXXX of Global Solution Biz has been harassing me and my family even texted a family member of mine saying trying to get in contact with me for a legal complaint I told him several times only to respond to me through mail he is using threating tactics like having a response team show up to my house, or file with the courts and contacts me several time a day

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo is in violation of the following : 15 U.S. Code Section 1681b - permissible purposes 15 U.S. Code Section 1681c - information contained in consumer reports 12 CFR Section 1022.3 - Identity Theft

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 2023-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diverse Funding Associates LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX, emailed me on XX/XX/2023, about an alleged debt, there is no address on the email, I need to have them validate the debt in question, I need to send them this in writing in the mail, they are showing numerous addresses on the internet, I was sick, my daughter called to get the address only, they refused to give it, they also contacted my ex husband about the alleged debt, which I believe is illegal, I need to mail important letter to have this debt validated and can not get the address Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX Wells Fargo Customer Service Department XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Urgent Dispute Resolution for Unauthorized Transactions and Funds Restoration Dear Sir/Madam, I am writing to express my deep concern and frustration regarding the unauthorized transactions that have occurred on my account, as well as the delay in the restoration of funds by Wells Fargo XXXX This situation has arisen at an exceedingly challenging time for me, as my grandmother recently passed away, and my family and I urgently need to travel abroad to attend her funeral. I implore you to promptly address this matter and return the funds to my account, as it is critical for our travel expenses and necessary arrangements. 

Last year, I discovered several unauthorized transactions on my account, which I immediately reported to your customer service department. I followed the prescribed protocols and completed all necessary paperwork to initiate the dispute process. While I understand that thorough investigations are required, it has been an extended period since I filed the dispute, and the funds have not been restored to my account. 

The sudden loss of my grandmother, coupled with the financial strain caused by these unauthorized transactions, has left my family and me in a distressing situation. We depend on the funds to cover essential expenses related to travel, accommodation, and funeral arrangements. The continued delay in resolving this matter has added further emotional and financial burden during an already difficult time. 

I kindly request that you expedite the investigation of these unauthorized transactions and promptly restore the funds to my account. The urgency of this request can not be overstated, as my family and I need immediate access to the funds to fulfill our familial obligations and to mourn the passing of our beloved grandmother. 

As a longstanding customer of Wells Fargo, I have always appreciated the exceptional level of service provided. However, the current situation has left me disheartened and concerned about the resolution process. I trust that Wells Fargo will prioritize my dispute and take swift action to rectify this matter. 

I kindly request your utmost understanding, empathy, and cooperation in resolving this dispute at the earliest convenience. Your prompt response and resolution to this matter would significantly alleviate the financial strain and emotional burden experienced by my family during this challenging period. 

Thank you for your immediate attention to this matter. I eagerly await your prompt response and the restoration of the funds to my account. 

Sincerely, 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 2023-07-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Request for Investigation please. the inquiries that I did not authorized are in the letter already. please review

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 2023-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I just received in the mail a new response to my complaint. It`s still the same thing over and over again! Wells Fargo Auto Finance continues to attach a Loan Aplication with my alleged 'signature on it in three places. This is not my signature, and I do not have a copy of this. 

I looked at this page on the evening of the sale at XXXX XXXX XXXX, I refused to sign it as it had misinformation regarding my income. Upon return from a test drive, I was told the loan went through, i was confused. My credit score at the time was only XXXX. Also, Wells Fargo Auto Finance keeps using this as alleged proof for their loan. 

Written or typed amounts for income are not enough to allow a loan of this size to be distributed. There are no 6 months of Bank Statements showing Proof of my Income. I`ve contacted a free attorney as I qualify under the ADA for one. This is fraud, and Wells Fargo Auto Finance should know better.

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 2023-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
Hello! I have an account that showed up on my credit reports when I realized this I disputed it. This is not my account but the company refuses to delete it. I received a form with a signed lease, this is NOT my signature. I am attaching a photo of my ID and also my signed affidavit that the company provided to me. This is the third time I try this with this company. I had my document notarized through an online notary in the state of Texas. Company claims I have to go in person as its not valid without a certificate. I have contacted the notary and was notified a notary seal OR a certificate is required to be valid. The notary seal is on my document. I do not own this account I am a XXXX from XXXX I do not own any money on any accounts to anybody. 
I am also attaching my filed police report this time. 

What else could they possibly need. You have my ID which shows a different signature then the documents on that lease. You have my signed affidavit. AND now you have my filed police report. Remove this from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Request for Investigation please. the inquiries that I did not authorized are in the letter already. please review

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 2023-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: FL

Complaint narrative:
enhanced recovery added a collection account to my crediy report in 2021 that i contacted them about and set up a payment for settlement and removal of account from my credit report. The account was settled in XXXX of 2021 in the amount of {$480.00} but the account is still visible on my credit report. I have tried to recently contact the company and was informed through automation that my account is closed and has been returned to XXXX. Im confused because the original creditor says XXXX and the collection account is still appearing on my report even though it says closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I continue to dispute unauthorized fraud charges after I called nearly 4 hours after 3 unauthorized fraudulent charges that were charged on a credit card around XXXX XXXX  XXXX on XX/XX/XXXX. Two of the three charges have come back on my credit card as of XXXX and I continue to declare in written legible documentation, many examples of proof and over the phone and email that these charges are unauthorized and fraudulent. 
Despite stating on a phone call to the customer Fraud line to resend the information because the first set of compelling evidence shared by Chase that the documents are illegible and requesting for readable documentation, Chase has failed for the second time to provide any proper documentation that is legible. They said this is only way they would disclose information to us as to why this is not being marked as fraud after I reported the fraud on XX/XX/XXXX and received new credit cards. I am concerned and led to believe that since this is now 2 times in a row that Chase has failed to provide legible documentation that they are withholding information from me and are noncompliant in my dispute as they have failed to provide proper legible documentation. 

I am exhausting myself and my resources to work with Chase and now time and time again Chase is not cooperating with me since they have continued to provide illegible documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
CASE # XXXX ACCOUNT # XXXX????? No cards received but three emails they on way ACCOUNT # XXXX & XXXX old account still have cards Enclosed find the newest issue with this company once again sent in email that is incorrect information. As payments made XX/XX/XXXX XXXX XXXX ( recurring ) XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX total {$520.00} as of XX/XX/XXXX. All made thru our online banking as we have done for years. Now they want to charge us a late fee when they cant even decide on account, info or where missing cards they sent out are.Mr. XXXX XXXX XXXX called on XX/XX/XXXX at XXXX spoke to several people that said he had good credit, good customer. However, they would have to limit credit given? They would get with supervisor and let him know if account was to be re-established. However, to date nothing no other contact except this email that is in correct on payments made. 
So, them saying we not responsive to communication is incorrect and misleading. We have called, written over twenty letters and still they cant correct this account. Now not even applying payments correctly on account that we have never been late on. This all is from an email that was reported to fraud department. We lost our club points ( that are same as money they took that and closed our good standing well established account over a fraud report ) So what is the fraud department for and why penalize use for reporting it. 
Now we are wanting the entire account reviewed since they are obviously hiding something and not correcting our payments. We have asked for the payoff amount and this as well as gone unanswered. Issue we need fixed immediately. 
1. find missing cards issues three times in email sent 2. correction to not responsive to communication since we called and mailed number letters 3. correction to email dated XX/XX/XXXX 4. restore account to original and club points restored 5. correct to entire account as well as payoff as of XX/XX/XXXX that fraud department caused issue The above are issue we want corrected immediately as well as apology for being treated so poorly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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