vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 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: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I was scammed by a company that sent me the wrong orders and they told me they would refund me and it showed up on my bank so I placed new orders but as I got the new orders I realized that I was also scammed with those because I did not recieve what I paid for. I contacted them and they told me they will not refund me and the refunds that I got before were removed from my bank. They then told me to file a chargeback with my bank and kept closing the chats on me. I contacted the bank about this and they said they would help me. But that was not true they just provided a temporary credit and took it away even though I had all the proof. The bank didnt even look at the proof so I had to keep resubmitting it so that it would show up. 2 months later they finally tell that because I did not send back the items I never received I can not receive help from them. That is the most brain dead thing I have an ever heard and the fact it came from the people who have access to all my money and information is not okay. They kept telling me to contact the merchant even though I had proof that the merchant did not want to talk to me. They told me to call them but they do not have a number to call the number they have is just to chat. The bank was no help and 3 months later after sending me a letter saying that they did see that there was a error and that I will get the money back they took it away. I am sick of being scammed by my bank and there is also so much proof of them scamming people in the past.

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 2024-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission.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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have an open complaint with National credit systems. I have more information that shows, I never resided at XX/XX/XXXX. The only legal document on file is a signed lease agreement without my name or signature on the document, provided fromXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Dear Equifax, I am writing to dispute certain inaccuracies in my credit report, as provided under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. It has come to my attention that there are errors in my credit report that need to be promptly addressed. Inaccurate reporting not only harms my financial standing but also violates the FCRA. Im also including ECOA ( 15 U.S.C. 1691 ) to express the importance of laws that are in place that strongly back accurate credit reporting and fair treatment of consumers in the credit process. Please provide the method of validation such as who you spoke to, their address, email, phone number and any information and/or correspondence that contains my certified signature. 

I would like to draw your attention to recent cases, such as the settlement between your company and the Consumer Financial Protection Bureau ( CFPB ) and state attorneys general, where credit reporting agencies faced significant penalties for inaccuracies and data breaches. This serves as a reminder of the importance of accurate credit reporting and the potential consequences for failing to uphold this standard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 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 2024-05-23 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to FCRA 605B, any inaccurate accounts must be removed from my credit report. This particular account is being reported incorrectly, so please take it off my credit file. I am entitled to {$1000.00} for each erroneous report on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: CA

Complaint narrative:
I recently submitted a request for an investigation into the disputed account that you claimed was verified. Believing that you did not properly investigate my dispute, I contacted the data furnisher last month via certified mail. They responded, confirming that I was correct and that your records were indeed inaccurate. Since your investigation was not conducted properly, I request that you update the account information in my file accordingly. 
XXXXXXXX XXXX XXXX  XXXX : {$1100.00}

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 2024-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and this company that is making money off me while maintaining my credit in the ruins and selling my information to third parties. 

After reviewing my credit reports I noticed that AMSHER COLLECTION SERVICES are alleging that I owed an amount of {$1400.00} to them without furnishing any proof of verification of this debt or that they followed all laws and regulations to report. 

I have continuously reached out to discuss this matter and Amsher Collection Services has denied all communications with me and never responded within the time frame required by law. 

Pursuant to 1692g, i requested the Method of Verification for the said account and AMSHER COLLECTION SERVICES failed to comply as well in a timely manner. 

This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally lodge a complaint against TransUnion for their use of stall letters in response to my legitimate disputes, which has significantly delayed the credit correction process more than twice ( XXXX plus + days ). Despite providing all necessary identification information, TransUnion has consistently failed to remove inaccurate items from my credit report, which is not only frustrating but also against the law. I have even submitted all required identity documents within my dispute letter, assuring that the letters are from me. 

These actions by TransUnion have undermined the integrity of the banking system and have violated multiple federal laws, including but not limited to the Fair Credit Reporting Act ( FCRA ). I believe that their conduct has breached at least the following XXXX provisions of the FCRA within 15 U.S. Code 1681c. 

Despite multiple attempts to resolve these issues, including the submission of my identification information, TransUnion has persisted in its use of stall letters as a tactic to delay compliance with my legitimate requests. This behavior not only demonstrates a blatant disregard for legal requirements but also significantly impacts my financial well-being. 

I request that the Consumer Financial Protection Bureau take immediate action to investigate TransUnion 's practices and enforce compliance with federal laws. I urge you to compel TransUnion to promptly address and correct the inaccuracies in my credit report and to cease using stall tactics in response to consumer disputes. Furthermore, remove all accounts that are not complaint with XXXX reporting. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and will provide any further documentation or information required to support my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On the afternoon of XX/XX/year> I called EQUIFAX to verify if my account had been locked or frozen. Just asked for a " yes '' or " no '' answer. My identity was stolen in late XXXX ( or earlier ) as evidenced by an out of state business texting me a photo of an Ohio state drivers license identical to mine except for the photo and signature. 
I spoke with TWO DIFFERENT customer service representatives at Equifax. Each had heavy accents. After answering ALL personal questions ... .DOB , SSN, address, etc etc, I was asked to explain activity on credit cards accounts that were closed 4 or more years ago including minimum monthly payments. I explained that I had 3 and only 3 sources of credit that I have used for more than the last 3 years and that I pay each month off in full so no minimum monthly charges. I explained the names and full details of these 3 credit sources. BOTH " customer service '' reps said I failed to verify my identity because I could not recall accounts from 3, 5 or 10 years ago which had been closed for years, but still in my credit report. 
Then they asked " when was the last time you had your account frozen ''. I replied " my FIRST STATEMENT TO YOU WAS THAT I WAS CALLING TO VERIFY IF MY ACCOUNT WAS IN FREEZE OR NOT '' So, I DON '' T KNOW, THAT IS WHAT I CALLED TO ASK YOU. Both " customer service '' reps told me that they WOULD NOT COOPERATE WITH ME. I asked to speak to someone in the UNITED STATES and they both said that was impossible. AND don't forget the recent " security breach '' BY EQUIFAX that caused the release of everyone 's SSN onto the XXXX web. AND NOW they refuse to verify if my account is frozen. IF you don't SEVERELY FINE ( $ BILLIONS ) or disbar these scumbags from messing with citizens, then why are would you be any better than them???? If you expect americans to continue to care anything about america, please see this through. Otherwise there is no more america.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: OH

Complaint narrative:
on XX/XX/year>, I contacted Mohela because I noticed for the payment on XX/XX/year> the interest charged was doubled compared to prior months. They said the interest was accrued for XXXX because of forbearance. To my surprise, I never requested forbearance and I have always been on auto debit. They said because they were changing their platform in that period they did not draw payment from my account. I explained multiple times that it was Mohela 's fault if they forgot or failed in any way to withdraw the payment. Why should I pay for their mistake and bad accounting practice. I requested the payment to be properly adjusted and they refused. Surely, there are many other borrowers in the same situation, but failing to recognize they have been punished and charged double interest for Mohela 's dishonest accounting and lack of professionalism. It is easy to fix the overcharged interest but they refuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: LA

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear sir and or madam please see attached of bureus response 's there is proof I did request my reports, attached is the same documents I attached in all three envelopes to TransUnion XXXXXXXX XXXX XXXXXXXX proof of idenity I AM NOT PUTTING THIS IN THE MAIL AGAIN this is how identity is stolen and I don't appreciate them asking for it over and over again, as well I don't appreciate there emails to me soliciting credit watch and easy access to my files XXXX for a fee, if you notice there asking me to supply this information attached again, in attached clearly stating I filed a dispute when I don't even know what is accurate or not only thing I asked for with attachments included requested my report and ask them with supporting documents to add a consumer statement to say : Anyone trying to extend credit in my name to call my cell phone first @ ( XXXX ) XXXX as you can see and still not resolved I have supplied PROOF CFPB that you must protect us from companies like this and I am holding you responsible for failure forcing them to comply OI BETTER HAVE MY FULL REPORTS BY THE XXXX XXXX XXXX XXXX XXXX days are up

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken via email at XXXX. I appreciate your prompt attention to this XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

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 explanation
Consumer complaint received 2024-05-23 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: CA

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: DISCOVER BANK
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation