vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 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: NC

Complaint narrative:
I am writing to formally request the removal of unauthorized inquiries from my credit report. As a victim of a data breach, these inquiries were not initiated or authorized by me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting their immediate removal. 
Unauthorized Inquiries 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 XXXXXX/XX/year>

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 2024-11-27 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: NY

Complaint narrative:
I recently looked at my credit report after requesting reinvestigation and noticed several inaccuracies that are still present on my account. This account is hurting my ability to obtain credit. Its my understanding that you will in investigate these items to ensure maximum accuracy, here are the item I am asking you to verify as accurate. 

The Failure to report the transfer or sale of the account misrepresent its status, in violation of 15 USC 1681s-2 in addition The continued reporting of an active payment history beyond 180 days without accurate updates violates 5 USC 1681i ( a ) ( 5 ) TransUnion report : XXXX- Account # N/A, High Balance : {$630.00}, Date Opened XX/XX/year>, Balance Owed : {$630.00}, Closed Date : Not Available, Payment Status : Collection/Charge-off, Last Payment : N/A, Account rating : Derogatory, Account Status : OPEN, Original Creditor 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 2024-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year>, {$820.00} ; Chase charged me for a product/service that I requested a refund for roughly a month ago, after they returned the funds. They claim they are unable to obtain the funds from the merchant and that they are unable to fight for my consumer protection rights. The product/service was an XXXX rental that was misadvertised, poor quality, and had hazardous wastes. The company claims to have completed an investigation and to have disputed the transaction. However they are unwilling to follow their policy of issuing charge-backs for, " A product or service you received and are dissatisfied with. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
I am writing in response to your recent communication, which pertains to the debt you claim I owe. After carefully reviewing your response, I must reject your statements for the following reasons : False Statements in Violation of FDCPA : Your response contains inaccurate and misleading statements that I believe to be false. These false assertions not only misrepresent the facts but also violate the Fair Debt Collection Practices Act ( FDCPA ), which prohibits the use of false, deceptive, or misleading representations in the collection of a debt. 

False Statements ( 15 USC 1692e ( 8 ) ) : Your response contains false and misleading statements in violation of 15 USC 1692e ( 8 ), which prohibits the reporting of false information to credit bureaus. Specifically, [ describe the false statement ( s ), e.g., " you inaccurately reported missed payments despite my records showing no such missed payments '' ]. As the court stated in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  such misrepresentations violate the FDCPA, and continued use of false information is actionable. 

Failure to Provide Original Signed Contract : In addition to the false statements, you have failed to provide an original signed contract or any document that legally substantiates your claim of debt. Under Section 809 of the FDCPA, you are required to provide verification of the debt upon my request, which includes the original contract or a copy bearing my signature to prove that I am indeed responsible for the debt in question. Your failure to produce such documentation demonstrates non-compliance with this legal requirement. 

As such, I request that you cease and desist any further collection efforts related to this matter, as it is clear that the debt you are attempting to collect is not substantiated by valid documentation. Additionally, I request that you correct any inaccuracies you have reported to the credit bureaus regarding this debt, as it is based on false information. 

Please be advised that any continued violation of the FDCPA will be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any relevant state authorities. 

I expect to receive written confirmation of your compliance with these requests within 30 days. If you continue to pursue this matter without proper evidence and in violation of the FDCPA, I will take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
My credit report indicates a line of credit was opened by American Express on XX/XX/XXXX. There have been credits collected and paid from XX/XX/XXXX through XX/XX/XXXX, while I was making payments toward my debt out of a separate account. Once I instructed transfer of the credits to pay my debt, the transfers ceased to be completed. 
On XX/XX/XXXX I sent a certified letter requesting the confirmation statement for the security from my credit transaction. The registration statement should list the name of the registered owner. I suspect this is the person or company who has been receiving the benefits from my credit transaction. The registration of my financial asset to another would have been done without my knowledge or consent. I have not received the benefit of any credits from American Express since the account was opened, and I have been unable to confirm with American Express who they have been sending my credits to. 
On XX/XX/XXXX, I called customer service to try and file a complaint. My request was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
I called the contact number for Apple credit listed on my credit report three times to try to resolve the charge off issue. The calls were transferred to numbers that only had people talking in the background however would not answer the phones. The third time I recorded the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and an unauthorized inquiry appearing on my credit report. As a victim of a data breach, I did not authorize these accounts or the listed inquiry. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request their immediate removal. 
Fraudulent Accounts to Be Blocked and Deleted XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiry to Be Blocked and Deleted XXXX. XXXX XXXX XXXX XXXX Date : XX/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 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-11-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
on or about being of XX/XX/year>, my debit card was hacked for XXXX Wells Fargo, from a store in XXXX XXXX, for skin care, I NEVER USE my debit card to buy, only deposit -at first Wells Fargo put the {$290.00} money back into my acc, only to get a letter from Wells Fargo Fraud dept saying " They found no evidence of fraud that it was an online purchase approve, '' MEANING I did it, WITH OUT a paper trail as to how they found me Quilty of said fraud.I am XXXX XXXX XXXX, XXXX XXXX XXXX XXXX live ONLY ON SS. {$290.00} is a lot for me, however more so, I believe it was an inside job Wells Fargo, either way IT WAS NOT ME who purchased {$290.00} in XXXX XXXX, Hacking is in itself describes fraud-I am being used as a scapegoat Thank You

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 2024-11-27 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: MD

Complaint narrative:
I am writing to formally request the blocking and deletion of a fraudulent account and multiple unauthorized inquiries that appear on my credit report. I am a victim of a data breach, and I did not authorize this account or the listed inquiries. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request their immediate removal. 
Fraudulent Account to Be Blocked and Deleted XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$460.00} Unauthorized Inquiries to Be Blocked and 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 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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a complaint with the three major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
I recently looked at my credit report after requesting reinvestigation and noticed several inaccuracies that are still present on my account. This account is hurting my ability to obtain credit. Its my understanding that you will in investigate these items to ensure maximum accuracy, here are the item I am asking you to verify as accurate. 

The Failure to report the transfer or sale of the account misrepresent its status, in violation of 15 USC 1681s-2 in addition The continued reporting of an active payment history beyond 180 days without accurate updates violates 5 USC 1681i ( a ) ( 5 ) XXXX report : XXXX- Account # N/A, High Balance : {$630.00}, Date Opened XX/XX/year>, Balance Owed : {$630.00}, Closed Date : Not Available, Payment Status : Collection/Charge-off, Last Payment : N/A, Account rating : Derogatory, Account Status : OPEN, Original Creditor XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have an Amazon store card. I made a one month advanced payment which was fine for many months. After several months of paying at the same time, I noticed a late fee on my account. I chatted with an agent, explained the issue and it was waived. This then occurred again at which time I again chatted with an agent and then manager to have this rectified and changed the payment date as their system was indicating that I was no longer ahead of payments. I was assessed interest on all late fees. I recently made a payment of {$150.00}, which i believed to be more than the minimum payment but it was {$11.00} short, obviously a mistake on my part. I requested that the {$40.00} late fee be removed and prompt payment of the shortage be made by me immediately. Given the previous waiver of late fees ( which should never have been assessed ), I was denied a waiver. I would like a full review of my account and refunded all assessed interest on any and all late fees and a waiver of this recent late fee ( payment of the {$11.00} shortage has been made ).

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 2024-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc.

Complaint narrative:
I invested to XXXX XXXX XXXX  ( XXXX XXXX XXXX ) on the XXXX 's online platform under the environment provided by Trust Wallet at the persistent recommendation of XXXX, an employee of XXXX XXXX, from the beginning of XX/XX/year> to XXXX. On XXXX, XXXX, in transaction under XXXX XXXX supervision and direction I lost total about XXXX. All of my money of XXXX disappeared and caused an additional loss of about XXXX. I think that XXXX negotiated with XXXX XXXX and manipulated transaction with me on XXXX 's online platform, causing tremendous losses. I strongly protested to XXXX and XXXX XXXX that this transaction is a fraud in which XXXX and XXXX conspired to take away my money ( XXXX ). However, they said that they are not responsible for anything and are blaming me. Please help me get my money back from XXXX and XXXX. 
- Amount that was taken by XXXX and XXXX : XXXX. 
- I asked Trust Wallet to investigate this case and cooperate to get my money back, but there is no answer.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: TX

Complaint narrative:
Late payments listed on my credit report seem to be mistakes. Please correct these inaccuracies to reflect my history.

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 2024-11-27 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: NJ

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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 2024-11-27 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: MI

Complaint narrative:
PREFERRED LEASE XXXX XXXX  {$4600.00} XXXX XXXX XXXX XXXX {$62.00} XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDU {$2700.00} XXXX US DEPARRMENT OF EDU {$1500.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: MI

Complaint narrative:
PREFERRED XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX {$62.00} XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDU {$2700.00} XXXX US DEPARRMENT OF EDU {$1500.00} 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