vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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:
I just checked and reviewed again my XXXX, XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I just checked and reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.

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: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had gone to make a {$2000.00} deposit. ATM read improperly at {$1600.00}. Took my deposit out and to redeposit. ATM returned {$1600.00} with my {$400.00} missing. Reported to Wells Fargo and they came to an inaccurate conclusion that the ATM had no issue. Was told by branch manager that extra money left inside the machine is reported and after 3 days any unclaimed money amount disappears. Reported on XX/XX/year> and ATM was checked on XX/XX/year> and conclusion was made same day on XX/XX/year>. I was told during the claim period I would be contacted for further information but I was never contacted. The claim was supposed to take 10 days per their claim process but they kept extending the claim up until XX/XX/XXXX ( 35 days ) for them to check the logs. I opened another claim with the executive office and instructed to check the cameras since i had counted my money on the cameras view, XXXX had said she would try. 10 days later XXXX called and told me the day they declined my claim they were unable to do that because i was not law enforcement nor a lawyer. Only way they would check the camera is with a paper from the judge. Then i was told they did not have enough information to help me with my claim. I told her she never called me or tried to contact me to get information. She said they had enough information to not call me. I asked to speak to a manager and was refused. She said they would call me later.

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: EQUIFAX, INC.
State: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

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: FL

Complaint narrative:
Hello XXXX XXXX XXXX Im writing you again til I get every problem situation and corrected as of XX/XX/year> my account has been charge off Ive should of receive my 1099-c form to file gross ordinary income and income dose not get reported as debt because the charge off process changes debt into gross ordinary income as stated by the IRS. This account 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want the XXXX authorized user account from my credit report. By the FCRA I have full control over what gets reported to my credit report. Please remove the XXXX Authorized User account 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 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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want the XXXX authorized user account from my credit report. By the FCRA I have full control over what gets reported to my credit report. Please remove the XXXX Authorized User account from my credit report.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
XXXX with XXXX XXXX Capital One credit card ( ending XXXX ) XX/XX/XXXX around XXXX XXXX  Why do I have a balance of {$80.00}? I was told it was for charged for remaining interest in cycle. She said cycle was XX/XX/XXXX to XX/XX/XXXX. Asked why? My last payment I was given a total balance due of {$6600.00} and I paid it XX/XX/XXXX. 

XXXX offered me a credit of {$50.00}. I said why? Did accepting this credit make them not liable for what I believe is a fee they made up? I decided to take the {$50.00} credit because XXXX. I do not owe any XXXX  but had no options without owing more everyday. So I paid {$30.00} today and XXXX told me that my balance would be XXXX. 

XXXX told me I had no other options dispute this charge. XXXX was also not allowed to send me in writing her explanation of this interest charge. Essentially it is a dictatorship by the credit card company. 

Capital One would not make a policy of not sending a customer in writing the math, their cycle etc. unless they had something to hide. 

XXXX told me with the credit of {$50.00} and my payment of XXXX will make my balance really XXXX. 


The app did not say when it said do you want to pay total balance? And by the way you will still owe us an interest payment next month. What?

Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.

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 — Their investigation did not fix an error on your report
Company: Westlake Services, LLC
State: PA

Complaint narrative:
I have reached out on many occasions to rememdy the damages done by westlake to my credit reports after weeks of getting bounced from dept to dept for the credit dispute team. I finally got in contact with a representative that said the disputes team does not take calls. Even though on theyre main menu it asks if you would like connected to a dispute team service representative due to litigation and arbitration with the dealership and the finance company ( westlake ) the representative on a recorded line said payment would be deferred until a agreement was reached between the deslership and westlake on how to resolve this consumer rights issue of a XXXX XXXX vehicle. So westlake continued reporting and marked me as 30 days late, and then made current and again 60 days late and then followed by current to a 90 days late then finally marked it as a charge off which all together destroyed my credit XXXX points and then fully removed it from my report because the dealership took control of the loan which I never got any of them points back for theyre false reporting and tactics on how they illegally did it when I havent made a payment since XXXXXXXX XXXX XXXX and they had me marked current multiple times when no payment was made then late again which should of never happened with the deferment agreement. So westlake had destroyed my credit beyond repair at this time that I cant even get a small loan from even the worst lenders when I was at a XXXX when they did this which also canceled out my underwriting for my mortgage loan to buy my home due to late payments and my ability to get another vehicle leaving me and my family trapped renting costing more money and without a vehicle to commute to work for some time I have contacted XXXX and XXXX XXXX to be told they can not remedy it due to it not showing on my report anymore that I had to contact the finance company to correct it which they have been most neglectful in even trying to fix my report or even hear me out. Transferred many times to be hung up on Ive asked to speak to supervisors and been hung up on or told that is impossible to speak to a higher up the chain. So westlake had ruined not only my credit and my ability to gain any kind of loan or funding but me and my familys life by doing falsely reporting payments. With that said I believe westlake owes me and my family punative damages and compensation for theyre negligence to helping resolve the issue and the false reporting of missed and made payments to the credit bureaus.

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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
Can explain in person. I work XXXX hours a week. I can not write the XXXX  of hours of information on these companies. Simply put, the government is also responsible for pushing loans with compound interest without us having any idea what that is. After I filed for bankruptcy, they were supposed to contact me. They have never contacted me. They refuse to give me a program because I am a XXXX  They tricked me and now avoid me to avoid being held accountable for their lies. I have much more to explain. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX or face the harsh consequences.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.

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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

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 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: NY

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks : DATE COMPANY ADDRESS XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX DATE COMPANY ADDRESS XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I have a reference number is XXXX at : IdentityTheft.gov. I was a victim of identity theft a few months ago.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I had a recent transaction that I did not authorize through my account. I received a notification asking if I am making the transaction, and I replied no. Since I responded no, PayPal had opened a case for me. I also had my bank block the transaction from going through, and now there is a negative balance on my account. Why was the transaction not stopped immediately I said it was not me sending the money? 

I received a case update saying that based on PayPal 's review, they found the transaction is consistent with my PayPal history. I have never sent thousands of dollars before. I do not know who the person was in my PayPal and managed to send themselves under friends and family transaction. I would like the negative balance of {$5000.00} to be removed from my account as I did not make this transaction. I requested to see the open fraud case that was opened XX/XX/year>, and did not receive it.

Company response to consumer: Closed with monetary relief
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my frustration regarding the inaccurate information on my credit report. Despite sending multiple dispute letters, no action has been taken to rectify the errors. This situation is not only causing me significant distress but also violates my rights under the law. 

I urgently request that you investigate this matter and promptly correct the inaccuracies on my credit report. Your immediate attention to this issue is greatly appreciated.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it 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 non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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