vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 00:00:00
Product: 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: NJ

Complaint narrative:
I paid for a hotel stay, including a {$71.00} deposit on XX/XX/year>. The hotel released the hold and credited the funds back to me on XX/XX/year>. Cash app never released those funds back to me. I reached out to an advocate and was told if I provided the folio from the hotel with a zero ( XXXX ) balance, they would credit my account. I supplied them with the folio and they are still refusing to give me my money back. On another incident, I placed an online order with XXXX for the amount of {$120.00}. The order was cancelled as the item wasnt available. XXXX says they have credited my account but cash app still has a hold on my funds and will not release them. This is {$200.00} of my money that they are holding for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: FL

Complaint narrative:
I am writing to dispute an unauthorized hard inquiries on my credit report. I have recently obtained a copy of my credit report and noticed a hard inquiry listed that I did not authorize. 
I understand that hard inquiries can negatively impact my credit score, and it is important to me to maintain an accurate credit report 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below : 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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I looked at my report back on XX/XX/2022 and noticed some things are incorrect and incompleted and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure about whom the report relates these accounts. XXXX XXXX XXXXXXXX XXXX are not accurate and are not completed XXXX XXXX  XXXX XXXX open date is not reporting correctly on Experian and XXXX it says the date was opened on XXXX/XXXXXXXX although on transition it says the date was opened on XX/XX/2022 and that is not correct. 

the date that the account was active till is inaccurate its says for transunion that it was XX/XX/2022 for Experian it says XX/XX/2022 for XXXX  its way off at XX/XX/2022 Date of Last Payment for XXXX was XX/XX/2022 for Experian it was XX/XX/2022 but for XXXX it was XX/XX/2022

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 2024-05-13 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: DC

Complaint narrative:
These inquiries are fraudulent and do not belong to me. Please remove them from my credit report immediately. Also including these inquiries below : 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  These inquiries are fradulent and do not below to me. Please remove them from my credit report. Also these inquiries below 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 Equifax Mortgage Services , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Complaint Regarding Inaccurate Available Credit Date of Incident : XX/XX/year> Company Involved : Capital One Description of Issue : On XX/XX/year>, I paid my Capital One credit card XXXX in full. Specifically {$480.00}. This payment has cleared and been deducted from my checking account. However, Capital One has not yet reflected this payment on my account, resulting in inaccurate available credit information. This prevents me from using my card. 

Actions Taken : I contacted Capital One by phone on XX/XX/year>, and spoke with a representative regarding the issue. I informed them that if the available credit is not updated promptly after the payment clears, I would be forced to take further action. 

Please Note : I have not yet filed a dispute with my bank regarding this issue. 
I am hopeful this can be resolved without involving law enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: TX

Complaint narrative:
On XX/XX/XXXX an overdraft notification was received by text to my phone in regards to my Wells Fargo business checking account. I looked at the account through the Wells Fargo app and noticed XXXX charges that I didn't recognize. The total amounted to {$14000.00} with charges from {$250.00}, {$500.00} ( majority ) and {$1000.00} at a time. 

XXXX of the charges were authorized on XX/XX/XXXX while the rest were authorized on XX/XX/XXXX and XXXX. The charges were made to XXXX online gambling platforms. XXXX for a total of {$12000.00} and XXXX for a total of {$2000.00}. 

I turned my card off on XX/XX/XXXX and submitted fraud claims online through my Wells Fargo account. Within a couple days the claims were denied for " no error found ''. I went into a branch to get additional support with a branch manager. 

I was able to reopen the claims case by submitting additional information I received from the XXXX online support. I provided my card information and personal information to XXXX and they confirmed that my card was used by an account holder that did not use my name or information to open the account. I shared these emails with Wells Fargo and provided additional facts that I am a Texas resident and can not sports gamble online or otherwise due to Texas state law. 

For the next 4 months I waited to get a response while the online claim status continued to stay closed. I called the claims department every other week during these 4 months and was told the claims are still being reviewed. 

I finally was directed to the business claims department on XX/XX/XXXX. They requested I provide additional information that Texas residence can not online gamble and the emails from XXXX. I did provide them the evidence that day. 

I received a call on XX/XX/XXXX that Wells Fargo does not see this as a banking error and no fraud was committed. 

The charges were not done by me and couldn't have been done by me. Wells Fargo refuses to take responsibility for allowing those consecutive, unauthorized charges and refuses to protect me as their customer.

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 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Mercury Technologies, Inc.

Complaint narrative:
We are holding the credit card ending with mercury bank on XXXX XX/XX/2024, there is transaction of USD XXXX happen on the card which was not authorized by us. ( Merchant name XXXX XXXX ). It was fraud. We had provided the all details with bank, but bank haven't register the chargeback, and did not provide the reason for registering the chargeback.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I understand that FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts contain inaccurate information. I am owed {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: Experian Information Solutions Inc.
State: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

Delete the accounts below 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 non-monetary relief
Consumer complaint received 2024-05-13 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 16 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a secured loan account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of ( private ). These accounts have resulted in several fraudulent inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( # private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I received a letter date XXXX XXXX XXXX, from debt collector Rushmore Servicing. I do not and have not had any business relationship with Rushmore Servicing. I am demanding Rushmore to cease and desist and validate the purported debt they are purporting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: AZ

Complaint narrative:
Timely payments are always a priority for me, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or they will be liable to pay me {$1000.00} for each account reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: DC

Complaint narrative:
These inquiries are fraudulent and do not belong to me. Please remove them from my credit report immediately. Also including these inquiries below : 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 These inquiries are fradulent and do not below to me. Please remove them from my credit report. Also these inquiries below : 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

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 2024-05-13 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: FL

Complaint narrative:
Good afternoon. I'm XXXX XXXX on XX/XX/year> I checked my consumer credit report. There's a lot of inaccuracies and malicious items that are hurting my chances to life a better a life. I would like for them to be removed immediately. Thanks.

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 2024-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Hello, I hope all is well. I know that on XX/XX/XXXX, Attorney General XXXX XXXX announced that nearly XXXX Pennsylvania students who attended XXXX XXXX XXXXXXXX between XXXX and XXXX will receive discharges of loan balances as part of a recent federal action to discharge more than {$6.00} XXXX in student loan debt nationwide. 

I XXXX  the XXXX XXXX XXXX XXXX from XXXX - XXXX. XXXX XXXX XXXX XXXX XXXX I signed up for whatever loans the XXXX XXXX told me to sign up for. It was a struggle, but I have since paid off all of my onerous loans ( selling my house to do so ). 

Please help me get a refund of all the money I paid to this fraudulent institution. I thought it was a legitimate college, since I could get Federal loans approved to attend. However, I'm now being told that I will not get any help based on the type of loan I had signed when I was just XXXX XXXX XXXX. 

Please help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: TX

Complaint narrative:
To whom it may concern, My ex-husband and I were contacted by an attorney from XXXX XXXX XXXX telling us that we were coming to the end of our consolidation process and our last payment would be coming out in XX/XX/XXXX, which is about 6-7 months earlier than I expected. We have been with this company since XX/XX/XXXX. XXXX XXXX was our first contact and then we began talking to XXXX because they were the attorney group handling everything. 

I have been handling this mess of XXXX debt since then. I was surprised and I was skeptical as the website shows our paid debt still shows three of our debt pieces in presettlement. All from the same vendor. I got this individuals personal phone number and name and have had several conversations with him. The attorney chatted with me 3 times as I wanted confirmation of this completion in writing and I can not get anyone on the phone at canyon. 

Then my ex-husband received something in email that we needed to sign that said we would get our fees back because of this lawsuit happening and that we should sign it. I called the attorney again and he explained what it was and that he was supposed to get all of these signed and answer questions. We are at the end of our program and the payment changes won't affect us as we are done. I told my ex to sign it and unfortunately he did not download a copy of what he signed. 

I talked with the attorney again as he said that someone should be calling to tell us what happens now that we are finished and, that if no one has called as of XX/XX/XXXX, that we should call him back. I have called XXXX and no one answers. So I just called him back todayhe just answered me. 

This attorney is the only one I can get a hold of. During that call last month, he suggested we call Global Holdings ( XXXX acct ) and tell them they do not have authority to take any more draws out of our acct monthly. He said that should take care of the remaining debt as we are done paying and the rest of the draws to the vendor are enough to pay everything off by XXXX. 

I am nervous about this as we were trying to do the right thing by taking care of the debt issue with a consolidation company to help us with the credit debt we had. 

What do I do if they are lying? I need some help. The last vendor we are dealing with is XXXX XXXX. Payments scheduled to them go until XX/XX/XXXX. Global shows draft payments continuing to be drawn out until XX/XX/XXXX. 

We have paid {$89000.00} since XX/XX/XXXX Below is correspondence info and statements. I also have emails showing we have been sending debt info to XXXX for years. I have tried to contact someone at the company multiple times since this lawsuit popped upand no one answers. I have copies of documents and screenshots of website portals if needed. 

Thanks in advance for your support. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to Transunion, requesting an investigation into several inaccuracies on my credit report. Additionally, I disputed incorrect personal information listed on my credit report, such as incorrect address, and incorrect names. 

Despite sending the dispute letter via mail and providing all necessary information, I have not received any response from Transunion regarding the results of the investigation. 

This lack of response and failure to investigate the inaccuracies on my credit report is highly concerning and has caused me significant inconvenience and distress. As a consumer, I rely on accurate credit reporting to maintain my financial well-being, and Transunion 's negligence in addressing my concerns is unacceptable. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Transunion for their failure to respond to my dispute letter and address the inaccuracies on my credit report. 

Given Transunion 's failure to respond and provide the investigation results, I am now demanding that Transunion immediately and permanently remove the disputed items from my credit report. These inaccuracies not only undermine the integrity of my credit profile but also have the potential to adversely affect my financial well-being. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

Enclosed with this letter are copies of the original dispute letter sent to Transunion.

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 2024-05-13 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: IA

Complaint narrative:
I have tried to call Transunion and explain that the hard inquiries i have in my transunion account are fraud they were not me here is a list of the fraud inquiries XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> i want these fraudulant inquiries removed 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