vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 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: Block, Inc.
State: SC

Complaint narrative:
I posted a few items for sale on XXXX. The next day I got an email that looked to be from XXXX saying my item sold. There was a link to go to to get paid. I clicked the link and was taken to a page that looked to be XXXX. I filled out the card info and they said there would be a transaction to verify and for me to do that and after I did they took out one transaction for XXXX and then another for XXXX. I called my bank to stop the payment because it was still processing. They would not do this and told me to dispute it when it went through. I did the dispute now twice and have been denied both times. I provided them with everything to prove that I was scammed but it did not help so now I have lost almost {$400.00}. I wish they could at least say they will close that persons cash app so maybe they can't do it to anyone else, at least from that account anyway. Instead I was told I'm just out of luck on my money and they can keep scamming people. This was someone pretending to be a legitimate platform I was selling on and I was to be getting paid not paying anyone. I was scammed and they should not do business with this individual or business anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I satisfied this debt with person identified as an agent of XXXX. Debt is wrongly reported as a " charge off '' as I was told that by making the payment requested that There would be NO negative impact on my credit report.. 
COMENITY BANKXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Auto Trakk, LLC
State: PA

Complaint narrative:
I sent the collection agency I dispute letter requesting for them to provide provide with bearing my signature that I owe this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX ACCT. NUMBER XXXX DATA BREACH OCCURRED, IDENTITY THEFT

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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX ACCT. NUMBER XXXX DATA BREACH OCCURRED, IDENTITY THEFT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against TransUnion for failing to validate and correct inaccuracies in my credit report regarding the following accounts : XXXX Account # XXXX XXXX  XXXX Account # XXXX Despite submitting disputes since XX/XX/XXXX, and providing clear evidence of inaccuracies, TransUnion has repeatedly closed my disputes, stating the accounts were verified as reported. However, no documentation or validation has been provided to support this claim. 

Specific Issues : Inconsistent and Impossible Dates : The XXXX account shows discrepancies in the Date of Last Activity and Closed Date. 
The XXXX XXXX account has a future reporting date ( XX/XX/XXXX ), which is impossible. 
Contradictory Payment Status : The XXXX account is marked Current but shows late payments, which is inaccurate and misleading. 
Missing Creditor Information : The original creditor for the XXXX account is not listed, violating my right to know the source of the information under FCRA Section 609 ( a ) ( 1 ).

Failure to Validate : TransUnion has not provided any proof to substantiate these accounts, violating FCRA Section 611. 

Furthermore I have asked you to delete XXXX, XXXX, XXXX from my report as this is not my name and not correct. I have supplied you with my contact information, identification and the correct spelling of my name for six months but yet this still remains. REMOVE this as it is not my information. 
Repeated Disputes Ignored : I have disputed these accounts for six months, and no corrections or valid explanations have been provided. This is a clear violation of my rights under the FCRA. 
I request that the Consumer Financial Protection Bureau ( CFPB ) investigate TransUnions failure to comply with the FCRA and mandate the immediate deletion of these accounts from my credit report. 

Thank you for your attention to this matter.

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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXXXXXX ACCT. NUMBERS XXXX & XXXX DATA BREACH OCCURRED

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 2024-12-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: OK

Complaint narrative:
Deposited funds on XXXX XXXX.  App say I could access at latest XXXX XXXX.  Still cannot access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Subject : Urgent Request for Immediate Removal of Fraudulent Information and Compliance with FCRA 605B To Whom It May Concern, I am writing to formally address an ongoing issue regarding fraudulent activity that has impacted my credit file. I have been a victim of identity theft, and as a result, I have been actively disputing several fraudulent entries on my credit report. I have followed the necessary steps to address this issue, including filing reports with the Federal Trade Commission ( FTC ) and initiating disputes with the relevant credit bureaus. While XXXX and XXXX have successfully removed the fraudulent accounts after verifying my claims, XXXX and XXXX have failed to comply with the proper procedure and continue to report inaccurate and fraudulent information on my credit report. 



As required under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting that the fraudulent accounts be immediately removed from my credit file. The FCRA mandates that credit reporting agencies block any information that has been identified as fraudulent within four business days of receiving formal notice. The following accounts have been confirmed as fraudulent and should be removed from my reports without delay : XXXX XXXX XXXX XXXX ( Removed XX/XX/year> ) XXXX XXXX XXXX  ( Removed XX/XX/year> ) XXXX XXXX XXXX ( Removed XX/XX/year> ) XXXX, XXXX ( Removed XX/XX/year> ) XXXX XXXX XXXX XXXX ( Removed XX/XX/year> ) XXXX XXXX XXXX  ( Removed XX/XX/year> ) XXXX XXXX XXXX - XXXX ( Removed XX/XX/year> ) I have already sent the necessary documentation, including FTC reports, to XXXX and XXXX, but despite these efforts, these bureaus have failed to act in accordance with the FCRA. 



I respectfully demand that you take immediate action to block these fraudulent items from my credit report as required by law. I would also like confirmation of their removal at the earliest possible opportunity. Should these accounts not be removed within the stipulated time frame, I will be compelled to escalate this matter further, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies. 



I appreciate your prompt attention to this matter and look forward to your immediate compliance. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Colorado XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: GA

Complaint narrative:
TAKE NOTICE 15USC1666 CORRECTION OF BILLING ERROR XXXX DIDNT CREDIT MY ACCOUNT VIA XXXX XXXX ON THE DIVIDEND ACCRUED ON THE TREASURY BOND FOR ACCOUNT ENDING IN XXXX. This billing error is for past current or future certificate of indebtedness relating to the contract that binds both parties. XXXX XXXX XXXX is in violation of securities fraud as they are not honoring the indentured trustee act they are bound to as per XXXX form in their sec filing. According to the SEC ACT of XXXX  any acts of dishonor shall be considered a violation and breach of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX  XXXX XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2024-12-08 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX  XXXX XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2024-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
My account had a positive balance. It was overdrawn for just a few hours and since the bank gives an extra day, on the same day I deposited and to my surprise they charged me 3 fees of XXXX dollars each. This bank always charges unfair fees. I know it is my choice to have the service on my account, but in the same way that I fulfill my obligations, I would like them to be honest. I am tired of making the same type of complaint and the situation repeating itself. I just want them to reverse these 3 fees from my account, because I am not going to pay them and this is preventing me from using the account. I ask for an urgent solution. 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 2024-12-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: AZ

Complaint narrative:
Global Holdings was used as a payment processing money account management company during a debt settlement process. We have recently received a termination letter from our attorneys due to their firm being sued. In the same letter, we were instructed to withdraw all funds and deal with creditors directly. We have left phone messages, emails, and website messages with no response. We need to receive our funds in our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: Kikoff Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of the reporting associated with a charge-off account under my name, referenced as Account Number [ Account Number ]. This letter serves as a formal request for investigation under the Fair Credit Reporting Act ( FCRA ), specifically in accordance with 15 U.S.C. 1681s-2. 
Under 15 U.S.C. 1681s-2, you, as the furnisher of information to credit reporting agencies, are legally obligated to report accurate information and to investigate disputes regarding the completeness or accuracy of reported information. Additionally, any information found to be inaccurate, incomplete, or unverifiable must be corrected or deleted promptly as required by the FCRA. 
I respectfully request the following : 1. Immediate removal of any unverifiable or inaccurate information from my credit file in compliance with 15 U.S.C. 1681s-2. 
2. A written response detailing the outcome of your investigation within the 30-day period required under the FCRA. 
In light of the legal precedent set in XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, I wish to emphasize the seriousness of this matter. However, I also recognize the importance of resolving disputes amicably and without unnecessary escalation. 
To this end, I am willing to explore a pre-arbitration settlement to resolve this matter promptly and avoid further dispute or potential legal proceedings. Please provide a point of contact to discuss settlement terms, which could include corrections to my credit report, financial adjustments, or any other mutually agreeable resolution. 
If you fail to comply with your obligations under the FCRA or refuse to engage in meaningful pre-arbitration discussions, I will escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Furthermore, I will initiate arbitration or pursue other legal remedies as necessary to protect my rights under federal law. 
I trust that you will take this opportunity to resolve the matter efficiently and without the need for further legal intervention. Thank you for your immediate attention, and I look forward to your timely response. 
Sincerely, XXXX XXXXXXXX XXXX All Rights Reserved Without Prejudice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: AZ

Complaint narrative:
I was simply doing some research the evening of XX/XX/year>, as my wife and I need just a little bit extra here in XXXX. I filled out some basic information. When I got the indicator that my next payment was going to be due on my next payday and it was like over {$600.00} dollars, I was aghast and got a hold of the loan document, to realize the percentage rate was 497.27 %. I was not going to go forward with this. I get emails asking me to review and e-sign with a link, which I did not click nor did I e-sign. Yet, next I get an email indicating I was approved, and they would be sending the money along. I looked into the cancelation policy and have sent an email by the appropriate email to cancel the loan and will be calling the appropriate number first thing Monday morning, XX/XX/year>. However, again, I never e-signed nor approved the loan, and I would not for that kind of rate, which they did not show me till obviously they were already going ahead with the loan. This was very much a bait and switch. I am not able to pay something over {$19000.00} dollars for a {$3000.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Omega RMS, LLC
State: NC

Complaint narrative:
I received an email from Omega RMS LLC, a debt collection company stating that they've been trying to get in touch with me to resolve my account with them to prevent further action. On XX/XX/year>, I called XXXX, the number provided, and spoke with a representative named XXXX. I informed her that I did not have a contract with their client XXXX and that I sent in a 3 day cancellation notice within the 3 day cancellation period. I requested verification and validation of debt be sent to my address. I also sent an email to XXXX stating the same. I didn't receive the requested information from Omega RMS LLC to validate or verify the debt. What exactly is the charge for? I didn't have a contract. On XX/XX/year>, I received an email from Omega RMS LLC stating that they've been trying to get in touch with me to resolve my account with them to prevent further action. I replied to the email informing them that I have not received verification or validation of the debt and that having failed to send the requested information they were in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX Files Notice of Data Breach That Leaked Thousands of SSNs XXXX XXXX, XXXX. 

On XX/XX/year>, XXXX XXXX XXXX sent out data breach letters to anyone who was affected by the recent data security incident. These letters should provide victims with a list of what information belonging to them was compromised. According to the Texas Attorney General, these notices went out in the mail to all XXXX Texas victims of the XXXX data breach. Of course, there are likely additional victims throughout the country.

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 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Please confirm the amount of my signature and the original agreement of this debt and the contract of purchase of this debt by the original owner.

Company response to consumer: Closed with non-monetary relief