vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I started disputing accuracy of the accounts with the collection agency 's for one whole year now, I ask why they are inaccurately reporting this charged off a account with a monthly balance for the past couple of years, this is a violation per the FCRA section 623 section 5. Furnishers must only notify the credit reporting agencies the date, month and year when the account was marked as a charge off. Additionally I keep asking them to validate the alleged debt. They just keep on sending itemization of charge which is not debt validation. I ask them for proof of the initial contract and or my wet signature. they have failed several times. The is affecting my credit worthiness and i demand this to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Bank one has reported me to the credit bureaus for a credit I didnt open. I call twice and was told they have closed the account but its still being report to credit bureaus. I never received a card from Bank one. They will not disclose transactions on the card. 

I am requesting a copy of the credit application and all transactions and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2023, an amount of {$9800.00} was withdrawn from my Wells Fargo Checking Account via Bill Pay to XXXX XXXX. On the same day, XX/XX/2023, I called the Wells Fargo fraud line to report that the transaction was fraudulent and they opened a case for the transaction. I do not do business with XXXX XXXX, and neither did I authorize to add XXXX XXXX as a payee. I had to request Wells Fargo to find them and remove them from Bill Pay because the unauthorized payee was not visible on the user end of the website. I then closed the checking account with the fraudulent transaction, opened a new checking account, and even changed my Wells Fargo username and password. 
I eventually received a letter from Wells Fargo stating that based on their information, they determined the transaction was authorized and closed my fraud claim. I did NOT authorize this, neither did I give anyone else authorization. Before I received the letter, on XX/XX/2023, I called Wells Fargo for an update, and they confirmed that the case was closed. I then proceeded to file a police report on the same day, XX/XX/2023 on the fraudulent transaction of {$9800.00} on the XXXX of XXXX. I received an affidavit form via mail from Wells Fargo to fill out for them to re-open the case. I then faxed the affidavit on XX/XX/2023 to the appropriate Wells Fargo fax number that I was given and then faxed a copy of the Police Report general information on XX/XX/2023 to the same number. I was told that the re-opened case would be resolved within 5 to 10 business days. I called them XX/XX/2023 and I was given verbal confirmation that they closed the case again, regardless of the affidavit or police report that was faxed.

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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, 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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 


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 Balance Owed : {$170.00} ; XXXX  XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$78.00} ; XXXX XXXX XXXX XX/XX/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 XXXX  XXXX XX/XX/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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently submitted a request for an investigation of the disputed account, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. 3 Credit Bureaus must update the listed account from my file. 
US DEPT ED XXXX Balance Owed : {$7900.00}.

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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently submitted a request for an investigation of the disputed account, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. 3 Credit Bureaus must update the listed account from my file. 
US DEPT ED XXXX Balance Owed : {$7900.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX  XXXX Balance Owed : {$880.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$660.00} ; DOE XXXX XXXX Balance Owed : {$0.00} ; FXXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX  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
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently submitted a request for an investigation of the disputed account, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. 3 Credit Bureaus must update the listed account from my file. 
US DEPT ED XXXX Balance Owed : {$7900.00}.

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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been sued by XXXX XXXX XXXX and set up payment arrangements with the firm how is it still showing up on my credit report as negative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. 15 u.s.c 1681 section 602A. States I have the rights to privacy. 15u.s.c 1681 604A. Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report is showing late payments to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative. Please remove the late markings ASAP.

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 2023-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I made an order of 3 items from XXXX and used Afterpay to purchase those items on XX/XX/2023. I canceled those items within a few hours of ordering but only two items got canceled and refunded. The third item got shipped and delivery was refused so it was returned to the warehouse in California. I spoke with a supervisor on XX/XX/2023 from XXXX who confirmed she would have the item sent back to their warehouse and I would be issued a refund as soon as they received the item. The item was received in their warehouse on XX/XX/2023 and one of XXXX 's employees signed for it. I haven't received a refund of the {$230.00} that I am owed as of yet. XXXX says they can not help me because this is something Afterpay has to resolve. I have started several cases with Afterpay and no one has been able to help me with this. It has been over a month, actually almost two months. A representative at XXXX said that once I started a case with Afterpay, when I confirmed the item was being returned, it basically blocked them from doing anything with my account on their end. They said Afterpay has my money and there is nothing XXXX can do to help me. 

My purchase total was : {$460.00} for XXXX items. 

I got refunded for two items : {$200.00} + {$22.00} The third item got returned to the XXXX warehouse but I have been charged for that item. I am still due a refund of {$230.00}! 

I have used many company 's that are for this same purpose and have never had this same issue. This was the first time using Afterpay and I will never use them again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXX I make a call for a solution to talk to a person in the hardship department at XXXXXXXX.I get transferred to an unprofessional female  is pushy to get me to make a payment when I already made a payment for the month and she doesn't even ask how can I help you at the beginning call. I complain that I get two types of interest fees and having trouble paying off the card. She begins to laugh as I complain and doens't fully listen to solve the issue woman that acts completely unprofessional over the phone and we start to argue because I asked to speak to someone who can help with financial harships. I end up hanging up the phone with no real help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
XX/XX/2023 - Per online auction I purchased 3 items ( {$1900.00} ) of music memorabilia purported to be 'autographed. ' One item was to be accompanied by letter establishing provenance which seller failed to provide. All 3 items came with " Certificate of Authenticity '' issued by seller. 

On/about XX/XX/2023 goods received. Seller recommended authentication 'expert ' which I researched and found had a questionable reputation. I researched and contacted reputable expert. 

XX/XX/2023 Items ' autographs verified by authentication experts to be forgeries. I contacted seller advising of failed authentication and requested to return goods. Seller refused. 

XXXX - I called Customer Service of TD Bank , issuer of XXXXXXXX XXXX XXXX XXXX ( with which payment was made ), to advise of fraud and dispute {$1900.00} charge. I offered to send report of authentication expert and correspondence with seller. Representative declined to receive same. 

XX/XX/2023 - I received two letters from TD Bank : 1 ) dated XX/XX/2023 stating, " additional information is needed relating to transaction ( s )... '' and, 2 ) dated XX/XX/2023 stating, " Our review determined an error did not occur '' and " Must be resolved with the merchant '' and " You have the right to request documentation used to make our determination. '' From this point forward I made all communications on TD Bank 's website so there would be a 'paper trail ' of correspondence. Attached are copies of all website 13 messages correspondence ending XX/XX/2023 including my repeated requests for above mentioned documentation. 

At all times TD Bank has both refused to comply and failed to reply. 

Upon research I discovered that the 'merchant ' is a know purveyor of forged signature memorability with a " D+ '' rating with XXXX.org. I also have entire file of 25 messages between myself and the merchant, including 6 requests for instructions for return of forged items, all of which were refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
hello on date XX/XX/ I took out a vehicle with financing for the value of {$15000.00} giving at the same time a Down payment for the value of {$5000.00} keeping the balance {$10000.00}, this balance was financed through the company ( Exeter Finance ) at 72 months paying a monthly fee {$300.00} My problem is that I have already made 17 payments, that is, a year and 5 months yes we calculate 17 months for the value of XXXX with XXXX gives me the value of the sum XXXX {$300.00} = {$5100.00}, ( I have proof receipts ) and here is the problem that I still owe them the value of {$9900.00} of that 17 payments which made only this amount of principal have gone {$630.00} and the rest of the money for the interest on the car, even so, 17 months after taking it out and paying monthly, I owe the balance of {$9900.00} It is unfair to me that of so much money that I have paid, only a small thing has gone to the Principal. I hope that you help me because I am paying for something that I will never finish paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX login system is very bad, I am putting correct email and password and still it says wrong credentials. When I try to click forgot password to get access I put my username. Click submit. It says : " We were unable to find any accounts that matched the username you provided. If you don't know your username, click on " Forgot Username '' below. '' When I click " Forgot Username '' it sends me same username to my email and the circle continues. I tried again to login and follow the same procedure as I am writing this complaint - XXXXXXXX XXXX_ish. The customer service phone number : XXXX is not connecting me to agent. I am stuck. 
Exceptionally, I am able to login only when I click create account ( sign up ) on experian portal - but ideally it is not the right way to login. Upon logging in today, I came to know 1 past address and phone number in experian credit report is wrong. 

XXXX In XXXX Credit Report : WRONG ADDRESS : XXXX XXXX XXXX XXXX, MI XXXX WRONG PHONE NUMBER : XXXX. 
WRONG HARD INQUIRY : XXXX XXXX XXXX XX/XX/2023 ( Taken Care ) Just FYI : XXXX In Equifax Credit Report : WRONG HARD INQUIRY : XXXX XXXX - XX/XX/2023 ( Still taking care )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX  XXXX XXXX Balance Owed : {$510.00}.

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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$100.00} ; XXXX  XXXX XXXX Balance Owed : {$510.00}.

Company response to consumer: Closed with explanation