vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Subject : Letter of Removal Dear Portfolio Recovery Associates, I am writing to formally request the removal of my debt from your records and the cessation of any further collection activities related to the alleged debt. After careful consideration and several attempts to resolve this matter, I have discovered multiple issues that raise concerns regarding the legitimacy and legality of the debt collection process. 

Firstly, I have sent three dispute letters to Portfolio Recovery Associates regarding the lack of proof of the alleged debt 's profitability. Despite my requests, I have not received any satisfactory evidence or documentation supporting the validity of the debt. This failure to provide essential information raises serious doubts about the accuracy and legality of the debt in question. 

Furthermore, upon conducting thorough research, I have found that Portfolio Recovery Associates lacks the necessary license in California to collect on a debt. As per the information provided on your website and various regulatory documents, there is no mention of Portfolio Recovery Associates holding a valid license for debt collection activities in California. This oversight further undermines the legitimacy of your claim to collect the alleged debt from me. 

Based on the aforementioned reasons and the absence of proper documentation, I kindly request that you immediately : Cease all collection activities related to the alleged debt. 
Remove any negative reporting on my credit profile associated with this debt. 
Confirm in writing that the debt has been nullified and no further collection attempts will be made. 
Failure to comply with this request may result in legal action being pursued against Portfolio Recovery Associates for violation of debt collection laws and regulations. 

I expect a prompt response within [ number of days, e.g., 30 days ] from the receipt of this letter. Please send all correspondence regarding this matter to the address mentioned above or via email at [ your email address ]. Additionally, I request that all future communication be conducted in writing to maintain a clear record of our interactions. 

Thank you for your immediate attention to this matter. I trust that you will handle this issue professionally and in accordance with the law. I look forward to receiving written confirmation that this matter has been resolved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, 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 asked the credit bureaus to verify my credit and they stated that everything was accurate. However, it is not. I did a thorough search myself and found inaccuracies on my credit report even after they did their careful research. 

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 XXXXXXXX XXXX : XXXX I also my name and addresses are not correct on any of the credit reports. 

My name and address are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My work name is also incorrect. My correct work name and address is listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I asked the credit bureaus to verify my credit and they stated that everything was accurate. However, it is not. I did a thorough search myself and found inaccuracies on my credit report even after they did their careful research. 

XXXX XXXX - XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX I also my name and addresses are not correct on any of the credit reports. 

My name and address are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My work name is also incorrect. My correct work name and address is listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI 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 2023-06-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject to Subsection ( C ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : I did not consent to XXXX XXXX to report any student loans to my credit report. I have no knowledge of these accounts and I demand the removal of these student loans reporting on my account immediately.

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 2023-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
When I got my loan from one main financial I had no control over the computer when I was signing the contract and adding Gap insurance. The lady asked me how long I had been at my job and I told her about 7 or 8 months. She then asked if I wanted to add Gap insurance. I said yes. She asked me if it would be ok for her to have control of the computer so we could get the contract finalized faster. As she went through the terms and conditions never did she mention that I was not eligible for Gap insurance because I had not been at my job for at least a year. So few months later I lose my job and I call one main to see how to get my gap insurance to kick in, I was told that I was denied because I havent worked at my job long enough but one main sure did take my payments from me with that extra charge for my Gap insurance that I was not eligible for. I would have never agreed to the loan had I been told the truth. I never received a copy of my loan terms and conditions nor did I even get to read the terms and conditions before I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-06-29 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: AZ

Complaint narrative:
I recently disputed the account XXXX XXXX XXXX ( XXXX ). They are reporting incorrect information as my car was purchased with Gap insurance. They are reporting incorrect amount. Please send proof of total amount owed after Gap insurance or delete account. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information 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 2023-06-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Referring to case numbers : XXXX & XXXX Wells Fargo has chosen to close this case after numerous runarounds and " We are studying your complaint ( words to that effect responses ). '' I am and will continue to pursue this matter through numerous agencies and via an attorney if necessary. 
Their convenient self serving response includes fabricated paper work contending that the person to whom I spoke did not say that I had to allow {$25.00} to be taken from checking account every month to keep a savings account. Neither of which I have now, by the way. 
Although it goes back several years, unless is was deliberately erased, that conversation was recorded and could and should be subpoenaed. 
Wells Fargo has been in the news numerous times regarding pressure on employees to get accounts open and regarding outright fraud. 
If their responses have not been fabricated, if they were not guilty of fraudulent activity which placed undo financial and emotional strain on me, why did they sene me {$1500.00} and a couple other small payments. Is this how innocent parties act? Their stock holders will be appalled. 
There was also a ridiculous time-wasting sham of a " mediation '' process they set u with me. The so-called mediator was no more than a messenger boy, not a mediator. He went, so they claim, back and forth presenting both sides of this issue, this complaint. 

It was my intention to begin a simple savings account at which time I was deceived into believing that regular payments of {$25.00} had to be made into this account. I was surprised, to say the least, even shocked until that wore off and I closed the account. 

Being on a limited income, those {$25.00} payments appropriated from my checking was a hardship, financially and emotionally. 

It was at that time that I learned that Wells Fargo fired over XXXX employees involved in this wrongdoing and that they were part of a culture of a scandalous deception in which high pressure tactics were used. 

These tactics also took place at the companys XXXX XXXX headquarters.

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 2023-06-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Bought a laptop at Best Buy ( Citi Bank ) by opening Best Buy Credit Card Account. 
I paid off the laptop. 
They charged me {$210.00} for service fees not requested, used or agreed to. 
I tried to contact them ( at least XXXX hour on automated service line, during which they misunderstood my complaint, and instead opened another account for me ). 
I finally got a real person on the phone ( another hour to get to that point ) and I disputed the charge and said I wanted them to close my account. They said they would investigate. 
They sent me a letter telling me I should call them. 
It takes me another 2 unsuccessful attempts and finally I got them on the 3rd attempt after another hour in automated maze. 
They said they would credit the account for unauthorized charges and I asked them again to close the account. At this point they say I do not owe them any money. 
However, another month goes by and they now have XXXX accounts open for me and they charge me the {$210.00} again for unwanted, unused and unauthorized charges. 
Now I'm filing this complaint to make sure they finally close my account and stop charging me and threatening me for not paying for charges I never agreed to when the account should have been closed in XXXX. 
I don't trust them to stop and I am wasting too much time defending myself.

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 2023-06-29 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: TX

Complaint narrative:
I have informed you that you are reporting incorrect information on my credit report, and you have come back and stated that the company verified the information. I am demanding that you provide the paperwork, contracts, receipts, statements, logs, etc. that were used in this so-called investigation. I was only late in XXXX XXXX XXXX. If you can't furnish what I've requested, these late payments on this account need to be removed from my credit report. 
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 2023-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX of 2022, a check in the amount of {$15000.00} was endorsed to me by a family member. Because the check was from Chase I thought it would be easier to open an account with the check at a Chase Bank. Within a month Chase closed the account because the individual who endorsed the check to me was not able to be verified by her phone number. I was told at the time that because she was not able to be verified by phone that she would have to bring her ID into the bank branch to be verified. When we were able to bring the ID to the bank they told us that they no longer accept identification verification in the bank and she must be verified by phone. Her number needed to be listed in a public registry so they can search it and call. We went to the bank branch where the account was opened to sit down with the banker who opened the account and their money release department and they all gave us a different answer as to why we cant get the money. I had the person who originally issued the check, look to see if the money was still in his account and it was not. He asked if he can get it back, I also asked if they can send it back to him and both of us were told no. The bank at this point is refusing to give us the money or return the money back to the person who wrote the check and I truly believe that someone at the branch stole the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: OK

Complaint narrative:
This 1 and only inquiry that i did not authorized still is on my credit report. I did not do this.

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 2023-06-29 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: MO

Complaint narrative:
The issue is causing me significant XXXX  and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX NUMBER ; XXXX has violated my rights. 

ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT NUMBER XXXX ACCOUNT NAME : XXXX, ACCOUNT NUMBER : XXXX HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-29 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: MO

Complaint narrative:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

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 2023-06-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: FL

Complaint narrative:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The issue is causing me significant XXXX  and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2023-06-29 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: MA

Complaint narrative:
I applied for a credit card from XXXX, I finished most of my application but stopped at where they asked me for my photo ID because after research I saw it was not a good card. 

The reason they asked for my ID was because I have an extended fraud alert on my credit report.

The company decided to open the card anyways without me sending over the required documents, so they charged me an annual fee or something and now I owe on that card. Once I saw this on my report I immediately disputed it but they didn't remove it.

If I didn't submit the requested documents for verification they can not open the account, that would be fraud. I have tried numerous times to contact the company and they do not understand the issue or I can't get a hold of a human.

Company response to consumer: Closed with explanation