vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

This company told the CFPB that they followed procedures an provided correct information which was not proof of verification and validation the account they only mailed me a copy of a credit card bill that supposedly had my name on it. They did not showed me any documents were I signed a contract or made any business arrangements with them which is another violation of the FCRA laws. 
Down below are the documents they mailed me and me also showing how they reporting inaccurate inaccurate on my credit file which is damaging my credit and my life.

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 2024-03-01 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I was trying to buy a house and realized I had damages on my credit report. According to the 15 USC 1681 law, there should not be any damages on my credit report. It's a defamation to my character.

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 2024-03-01 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: IL

Complaint narrative:
XXXX XXXX XX/XX/2024 is reporting on my credit this is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-03-01 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: EQUIFAX, INC.

Complaint narrative:
I, XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- XXXX XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not make any inquiries such as those inquiries added on my account, they are not mine. Please remove them immediately on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: MA

Complaint narrative:
According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 

Fraudulent Unauthorized Accounts : XXXX 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 2024-03-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
I was asked to pay a debt I do not owe to Rushmore Servicing, XXXX XXXX XXXX ( both debt collectors ) and XXXX XXXX. As required by the Fair Debt Collection Act and Massachusetts Fair Debt Collection Act. Pursuant to MA GL Part 1 Title 15 xz CH106 Article 3 Section 3-118 ( b ) since there have been no payments made for a continuous 10 years this debt action to enforce is barred. These companies were told to stop collections on a barred debt and take no further action against me. They have refused to respond to FCCPA requirements and will not present a viable creditor for this loan. They also continue foreclosure proceedings against us. 

My husband 's signature is a forgery. He did not appear at the closing and this debt was not funded to him. I never gave authorization for a mortgage on our property. We know under Massachusetts law that the security is void where there never was authorization to provide a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I sent a debt validation letter to prove I owe LMNV

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am seeking back salary from XXXX XXXX  for a broker investment. In XXXX  the committee Education & the workforce on XX/XX/2006 responded by resolution letter of my non profit proceeds with a broker. The broker never paid out a salary from XXXX XXXX. Wells Fargo took over these accounts now I am seeking back salary. My account ends in XXXX. 
Wells Fargo bank.

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 2024-03-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: CA

Complaint narrative:
this is not mine and should not be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I had a credit card with Capital One, and because I mistakenly forgot to pay a {$28.00} bill, I was assessed a {$36.00} late fee plus interest. When I asked if they could forgive this as I had never missed a payment, they refused, and furthermore, had frozen my XXXX  XXXX in accrued rewards, so that I couldn't even pay off the pittance of {$28.00} with my accumulated funds. Rather, they claimed that I had forfeited that money. I complained, wrote to their XXXX XXXX XXXXXXXX in a Certified Letter, and got no response, save a series of dunning collection letters, in which my debit was later sold to a third party collection agency that demanded full payment of now $ XXXX. Instead of capitulating, I shared with them my letters to Capital One, and also threatened them and their client with a wrongful lawsuit for defamation if they continued. They since ceased all actions, and wound up sending me a letter that they had reversed charges. 

In the meantime, I had opened another credit card with XXXX, and even explained to their customer service. the horrible experience I had had with Capital One, and was so glad I had switched to XXXX. Now, I hear that that disgusting, uncaring, consumer despising company Capital One is buying XXXX??? Please look into how Capital One operates, they are disgusting thieves and XXXX, and I told my customer rep at XXXX that once they are bought out, I am cashing out of my accumulated funds and closing my account. I have no intention of dealing with those nasty, uncaring XXXX  at Capital One. You can also tell whoever at Capital One reads my complaint, I have a very big file of their and their collection agency misdeads.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Ive been reaching out to Synchcrony bank since XX/XX/year>. After believing it had been resolved I was then instructed to contact TJ Maxx. I sent a formal written dispute. They reassed the charges in XX/XX/year>. I have contacted Synchrony again that has advised I must resolve with TJ Maxx. Ive shown them the photo I received of rocks and not a package. It was my belief that they work as one but I continue being sent in circles.

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 monetary relief
Consumer complaint received 2024-03-01 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:
This agency violates 15 USC 1692g. They were to notify me of this in writing 5 days prior, but I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 

Therefore, the following accounts must be deleted from my report immediately : *List of accounts to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX OF XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX The reporting of these accounts ) is/are violations of 15 USC {$1600.00}, and the Fair Credit Report Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as the following : This makes your social security card, driver 's license/ID, and license plate credit cards that are/were used ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " " Does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

The term " credit card '' means any card, plate, coupon book, or other credit device existing to obtain money, property, labor, or services on credit. for the extension of credit.

I demand these accounts be Deleted from my credit report Immediately.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my 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 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal Account : NXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I sent two credit card payments from PayPal to XXXX XXXX XXXXXXXX in the amounts of {$1500.00} and {$1700.00}. I requested a reversal of the payments ( The credit card paid amount is sent back to the original form of payment ). On XX/XX/2023, I was approved for the refund and XXXX XXXX XXXXXXXX sent out the refund. My credit card bill went up {$1500.00} and {$1700.00} that day. 

I did not receive any refund on the part of PayPal. I have already contacted XXXX  XXXX XXXX and they said they sent out the refunds on XX/XX/2023, and XX/XX/2023, in the form of a lump sum to one of Paypal 's intermediary banks. 

I have contacted PayPal customer service multiple times and all they say is to contact XXXX XXXX XXXXXXXX, in which they said they already sent out those amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Ive encountered significant issues with Chase Bank Credit Card representatives. They seem to be biased toward a particular merchant, even though I didnt receive the complete service I paid for. Despite presenting evidence, documents, and witness statements that clearly demonstrate the merchants failure to fulfill their promises, Chase continues to reject my claims without providing satisfactory explanations. To make matters more perplexing, each time I call, the representatives offer varying accounts of the situation.

Ive been inundated with lengthy documents that unequivocally prove the service was not delivered as promised. However, Im at a loss regarding how to persuade them that merchants arent infallible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
On or about XXXX XX/XX/XXXX, I attempted to transfer money from my Navy Federal Credit Union account into another Navy Federal account. I mistakenly transferred money into an old account that my husband had and haven't used since XXXX. Once I noticed the mistake I made, I immediately called Navy Federal to get assistance correcting the problem. But Navy Federal refused to do it because they told me that it was a receiving account only due to settlements that was settled last year. They told me that the accounts were not settled even though my Huband paid the accounts via settlement using his external bank and filed multiple 1099-C 's completely settling the account. Navy Federal insistingly wanted to collect monies for accounts that was settled and placed his accounts in this status.

Navy Federal went on to say my husband owed {$4000.00} ( Settled ) and {$250.00} on another account that was settled. They were illegally pursuing {$250.00} and {$4000.00} that was already settled. We have the bank statements and 1099-C to prove it.

For this very reason, my husband hasn't used Navy Federal and these accounts in years since XXXX. And the statue is only 36months and these are unfair debt collecting practices. The agents kept hanging up on me and my husband. We requested a letter stating the accounts were never settled and they hang up. We called for the credit union to correct this, and they once again hang up on us. This occurred over ( 14 ) times in ( 2 ) days. They refused to correct the transfer, they refused to speak with us, and they refused to send a letter stating that the accounts were not settled. My accountant and I saved copies of the bank statement showing payments and the 1099-c 's. All which was paid last year. But they stated that my husband still owed {$4000.00} and another {$250.00} on another account. They were unprofessional, rude, and dismissive. 
An old account that hasn't been used nor log-in since XXXX. Navy Federal placed an hold on the account for accounts that wasn't associated with my husband 's old savings account. XXXX Navy Federal Savings .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Trying to purchase a car and I realized I had damages on my credit report according to the 15 U.S.C 1681 law there should now be any damages on my report. Its a defamation of my character

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 2024-03-01 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: CA

Complaint narrative:
Someone, who probably has my personal information, applied for credit cards causing so many inquiries on my credit report which are the following : XXXX XXXX on XX/XX/2023, XXXX XXXX on XX/XX/2023, and XXXX on XX/XX/2023.

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