vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts are inaccurate, the balance status and date of payments are inaccurate. I have reported this to the bureaus, but I did not receive any response.

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 2022-11-07 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: GA

Complaint narrative:
In XXXX I filed a complaint because Transunion supplied a creditor- XXXX XXXX  with credit scores that were not accurate. I called and wrote to XXXX XXXX Transunion to try to resolve the matter. XXXX held the position that the information provided by Transunion was accurate and as a result determine my creditworthiness was poor and refused to reopen the account nor reconsider reopening the account until I provided them with the credit report from Transunion which would show my credit score from XX/XX/2022. I then called and wrote Transunion and requested a copy of the credit report from XX/XX/2022- the same one supplied to the creditor XXXX XXXX They claimed they do not have back dated credit reports and could only supply me with current credit reports from XXXX. I explained the creditor would only reconsider reopening the account if I provided them with my Transunion credit report from XX/XX/2022. So I contacted the CFPB in an effort to obtain the credit report forward to the creditor - XXXX XXXX dated XX/XX/2022. To date Transunion still has not provided me with the credit report for XX/XX/2022 and therefore my XXXX - XXXX XXXX account is still closed. Now CFPB has closed the complaint and I still don't have anything more than what I started out with and this is almost 3 months later. Transunion should not be allowed to provide creditors with false credit scores and then refuse to supply the consumer with the same record forwarded to creditors. Creditors use the reports supplied by Transunion to make a determination when decided to keep accounts open/ or closed and whether or not extend additional credit to consumers. They reported credit scores that were not accurate. They should be held accountable and required to supply consumers with their reports. I have asked for the reports and no one will listen. Instead they provided me with XXXX or XXXX 's credit report knowing I need the report from XX/XX/2022. They are well aware I need the report to have my account reopened. They know they misrepresented the score and refuse to do the right thing by providing me with the report given to the creditor. If we are to trust credit bureaus then they should be held to some level of standard. They should not be allowed to misrepresent consumer credit scores to creditors then when you call them out on it. They just disregard your request and carry on with business as usual after they destroyed a consumer 's creditworthiness just by submitting inaccurate information on a credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
i sent the credit bureaus letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report is still showing inaccuracies. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a settlement letter via fax that acct # XXXX was to be settled for the amount of {$2400.00}. I set that payment up and it was taken from my bank account see documentation. I then never received a letter saying it was settled so I had my wife call to get XXXX, they told her they couldn't speak with her ( after I had already authorized her twice before ) I then received a notice from Resurgent on XX/XX/XXXX that said my debt was sold to them and that I still owed the remaining amount on my account. I paid the settlement on XX/XX/XXXX per the agreement. ( see bank statement ) I also received a settlement letter for account XXXX with the agreement of paying {$3200.00} by XX/XX/XXXX, they didn't let me make the payment in accordance with their agreement as my account was sold on XX/XX/XXXX to Resurgent. I was supposed to have until XX/XX/XXXX to make payment and they did not allow that to happen. ( see letter ) Resurgent refusing to acknowledge payment for account XXXX and is still collecting on the remaining balance that was to be settled. Also refused to acknowledge the original settlement agreed on acct XXXX for {$3200.00} even though they had the account before the original offer expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I received a text message from this company asking me to run my credit I replied NO. I called Affrim to make them aware and would mark it as fraud. it has now shown on my credit report with an address in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received a text message from this company asking me to run my credit I replied NO. I called XXXX to make them aware and would mark it as fraud. it has now shown on my credit report with an address in Nevada.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Credit Reporting Act XXXX XXXX XXXX reported by XXXX reported for the months of XX/XX/2022 has violated my rights per 15 USC 1681 Section 602, which states I have a right to privacy. 15 USC 1681 section 604 A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B states a creditor may not treat a payment on credit card account for under an open end consumer credit plan as late for any purpose.

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Credit Reporting Act XXXX XXXX XXXX reported by XXXX reported for the months of XX/XX/2022 has violated my rights per 15 USC 1681 Section 602, which states I have a right to privacy. 15 USC 1681 section 604 A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B states a creditor may not treat a payment on credit card account for under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: GA

Complaint narrative:
To Whom It May Concern, I am having an issue with XXXX credit reporting bureau pertaining to numerous accounts showing in error, without proper documentation as asked for through dispute and now the company refusing to investigate ( in accord with the FCRA and providing concise documentation on how verification criteria is or has been met ). 

XXXX limits the dispute process for consumers and routinely states accounts are accurate and meet compliance without providing to me how exactly that compliance is being met. I have received no documents from my request as outlined in the FCRA and Fair Debt Collection Practices Act. 

Accounts for XXXX XXXX, which have been disputed for the past 3 months have all been stamped as meeting FCRA requirements, but I have been provided nothing more than their blanket statement without the validation sought. I can not be the only one facing this issue. 

I am asking this agency to mediate a timely response and documented evidence of their investigation results, including copies of official documentation which proves the account is accurate. Materials which I have yet to receive, and which have been asked for repeatedly. 

XXXX has also gotten into the habit of changing my username and password on two nonconsecutive occasions prompting me to have to use their myriad telephone system to try to reach an agent in order to address this matter. I ask for your assistance as far as can be given to me.

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 2022-11-07 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: GA

Complaint narrative:
To Whom It May Concern, I am having an issue with XXXX credit reporting bureau pertaining to numerous accounts showing in error, without proper documentation as asked for through dispute and now the company refusing to investigate ( in accord with the FCRA and providing concise documentation on how verification criteria is or has been met ). 

XXXX limits the dispute process for consumers and routinely states accounts are accurate and meet compliance without providing to me how exactly that compliance is being met. I have received no documents from my request as outlined in the FCRA and Fair Debt Collection Practices Act. 

Accounts for XXXX XXXX, which have been disputed for the past 3 months have all been stamped as meeting FCRA requirements, but I have been provided nothing more than their blanket statement without the validation sought. I can not be the only one facing this issue. 

I am asking this agency to mediate a timely response and documented evidence of their investigation results, including copies of official documentation which proves the account is accurate. Materials which I have yet to receive, and which have been asked for repeatedly. 

XXXX has also gotten into the habit of changing my username and password on two nonconsecutive occasions prompting me to have to use their myriad telephone system to try to reach an agent in order to address this matter. I ask for your assistance as far as can be given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Recently updated business software, a double payment in the amount of {$2300.00} was issued to the same vendor on 2 separate dates, XX/XX/XXXX and XX/XX/XXXX. The vendor cashed the XX/XX/XXXX check and promptly returned XX/XX/XXXX check with a note " This invoice has been paid. '' Wells Fargo, our bank, deducted our account twice for the same amount, on XX/XX/XXXX and on XX/XX/XXXX. I called WF on XX/XX/XXXX and was given a claim number and informed me that they will notify me in 10 business days. When I did not hear anything I called again on XX/XX/XXXX and was informed that the claim was denied. When I insisted that I am holding the uncashed check, WF promised to send my complain to their escalation team. I was given a second claim number that was different from the first one. When I did not hear anything again, I called on XX/XX/XXXX and was given the same information that the claim was denied and the second claim number was non-existent. I was transferred to at least 5 different reps and the last one hung up on me. I called again on XX/XX/XXXX, and after getting the same denial I requested to speak to a supervisor, the rep told me that it would be a useless effort since I will be getting the same answer. The supervisor told me he will " stop the payment '' and gave me a claim number, which was the second claim number noone could find in my previous phone calls. I called again on XX/XX/XXXX only to be informed that my case was closed and nothing else will be done. I am owed {$2300.00} by WF and they won't do anything to refund me the money. Please help.

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 2022-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX i was scammed and had money stolen from my cashapp account, the man took my phone out of my hand and sent himself {$2000.00} through cashapp using my phone, i have filed a police report and reached out to cashapp but they denied my request. I have attached a copy of the officer and police report case number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: TX

Complaint narrative:
In accordance with fair credit reporting act XXXX  accounts bellow XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable. cause to believe that the information is inaccurate.

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 2022-11-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
ALDOUS AND ASSOCIATES PLLC XXXX XXXX XXXX XXXX, UT XXXX 

HARASSMENT FOR OVER A YEAR WITH CALLS, FRAUDULENT LETTERS WITH FORGED AND INCORRECT INITIALS, BANKING INFORMATION, BIRTHDATE CLAIMING DEBT OWED BY A CLOSED GYM THAT PERSONALLY ANNOUNCED ENDING AND RIPPED CONTRACTS IN PERSON. HAS NOT RESPONDED TO EMAILS AND CONTACT NUMBER IS NON WORKING

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: GA

Complaint narrative:
im filing this complaint because im having a problem out of experian, i called their special services about XXXX accounts on my credit report, rep name XXXX had explain that mr XXXX on these accounts your full name is not being shown, these companies have to show that you are XXXX XXXX XXXX XXXX these accounts need to show your full name, if these accounts can not show your full name then they will be deleted, these accounts need to be deleted because i am a XXXX the mix department explain that none of these accounts can prove im a XXXX i want these accounts taken off my credit report, because my dad is a senior im a XXXX, the rep from experian did explain also that if each ax count cant prove these accounts show XXXX on the the full name they will be deleted off my report, i want to dispute discover credit card because the did return every effort to keep this on my credit report please remove these accounts that can not prove that these accounts belong to me because they can not prove the last suffix of my name which is XXXX XXXX XXXX XXXX, experian has ask me and to prove in the past that im a XXXX, the mix department said the same thing that my name needs to show my full name for each account as being XXXX XXXX XXXX XXXX, that if these accounts come back with something they didnt have the first time this shows that there desperately wanting to use my information, please take these accounts off, i was warned by special services for experian that these companies are not providing the correct information and is not showing my name is being 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 2022-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: NC

Complaint narrative:
Hello, I have been disputing a collection from MRS BPO , LLC that was placed on my credit file to all three bureaus that is incorrect! I did a dispute with XXXX and the collection remains, I did a dispute with XXXX and the collection was removed and then placed back onto my credit file. 

I contacted MRS BPO , LLC to ask them why have they placed a collection on my credit file and was told that if I wanted to dispute the collection, that I had to pay them to do a dispute. I've never heard of such a thing and refuse to give a company money to resolve something they did unlawfully. 

When I disputed the collection with the credit bureaus I submitted proof, evidence that the account was paid with the original creditor before the collection hit my credit report. I am submitting those same documents of proof.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This account through Midland funding was previously deleted through my XXXX credit report and experian is still showing that it is my account it was deleted due to being fraudulent and they keep updating this account it is not my account I do have proof where it was deleted off of my credit report through XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CLGF Holdco 1, LLC
State: NM

Complaint narrative:
I have fraudulent charges reflecting on my credit report from XXXX - Genesis Retail, XXXX XXXX XXXX which I did not charge. I disputed the charge, gave my statement of not making these charges or having credit with their financial institution. 

They replied back in letter form stating I am responsible for the charges and provided me the fraudulent signature that they stated is my signature and charges. At this point and time I need to take this to a higher level to dispute these fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Overview : On the morning of XX/XX/XXXX, during a routine glance at my XXXX  XXXX XXXX app on my phone, I discovered to my amazement, that XXXX XXXX dollars ( {$3000.00} ) had been transferred from my saving account to some unknown individual via Zelle. I have never used Zelle services, and my bank records reflect that. It is clear that fraudulent activity was recorded on my saving account. 
I called the bank that morning, and I also sent an email to the bank using the suspicious activity link on the bank web page. I was expecting some acknowledgment from the bank of my report, follow-up notification, and status resolution, but none was coming. 
Over the next XXXX days, I made over XXXX hours of phone calls to XXXX  XXXX XXXX, including in-person appointments with the local bank branch. Unfortunately, as of now, I have no case number, no claim report verification, and communication on the facts with the bank. 
I have been with the XXXX  XXXX XXXX for 47 years, and they thank me for it every time they answer the phone. All my conversations with the bank associates ended with me waiting for hours for the so-called claim department listing to music and waiting for the next available representative. Finally, during my appointment at the bank, the bank associate agreed to call the claim department on her phone using her direct line. After an hour of listening to the same musical monolog, I left the office. 
Examining my account activities also reveals XXXX different attempts to add a transfer recipient to my account, XXXX before the successful XXXX and XXXX after. 

Bank Information XXXX account XXXX routing XXXX XXXX  XXXX XXXX )

Company response to consumer: Closed with explanation