vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-28 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: CA

Complaint narrative:
I am not liable for this dept with ( XXXX XXXX XXXX, or XXXX XXXX XXXX ), XX/XX/2021 Lp, I don't have a contract with XXXX XXXX  service, they did not provide me with the original contract as requested

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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: TX

Complaint narrative:
ON or around XXXX I saw lot of preapprovals on credit karma for credit karma, at first, I didn't pay any attention to it but i kept receiving preapproved for credit cards which i then applied for but once I applied for a credit card through credit karma. Once I applied, around 2021, I was then denied. I was distraught and angry. I felt deceived and I was told but credit karma that I was preapproved, and this was a lie. Now every time i see approvals I immediately close my phone and I dont want to check my credit as often as I was before due to the fact credit karma lied to me by telling me I was preapproved. I can no longer trust any preapproved information being sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-28 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all invalid an inaccurate information off my credit report. this has been an ongoing issue that needs to be resolved asap. this is my 2nd attempt to remove all data to clear my file. please review an remove the listed items to correct my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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:
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 explanation
Consumer complaint received 2023-07-28 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:
I have 2 incorrect files on my credit report and Experian wants me to contact three different departments because they are different and talk to each other. I have already dealt with the Bankruptcy Department there and they are not helpful at all! These were all removed when I filed a complaint in the past but now they are back on my report. They need to off they are incorrect. 

1XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS NO ACCOUNT NUMBER ON MY FILE- I THINK THIS WAS A BUSINESS ACCOUNT AND IT WAS PAID WITH XXXX BALANCE WHEN THE BANKRUPTCY WAS FILED. IT HAD NOTHING TO DO WITH THE BANKRUPTCY Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$31000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card PAYMENT HISTORY LEGEND Status Discharged through Bankruptcy XXXX XXXXXXXX. 
Status updated XX/XX/XXXX Highest balance {$62000.00} Monthly payment 2. XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS THIS WAS MY FATHERS ACCOUNT UNDER XXXX XXXX AND IT WAS PAID WITH INSURANCE AFTER HIS DEATH SOME MIXUP WITH THE INSURANCE COMPANY THAT IT TOOK THEM YEARS TO PAY IT. THERE WAS NO DEBT WHEN THE BANKRUPCY WAS DONE! IT WAS ALREADY PAID FOR MONTHS IF NOT MORE THAN A YEAR BEFORE SO IT COULD NOT HAVE BEEN INCLUDED WITH THE BANKRUPCY. LAST PAYMENT XXXX TWO YEARS BEFORE THE BANKRUPTCY Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$84000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Home Equity PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Highest balance {$77000.00} Monthly payment - Last payment date XX/XX/XXXXXXXX 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 2023-07-28 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: NY

Complaint narrative:
Upon retrieving my credit report to my surprise I noticed an inaccuracy. It was a COLLECTION account XXXX  acct # XXXX reporting that NOT ONLY AS AN OPEN STATUS, BUT ALSO A PAST DUE AMOUNT of {$1400.00}. Not accurate According to the FCRA I have the right to an accurate credit report. I sent a certified letter to Trans Union about this on XX/XX/XXXX which they received on XX/XX/XXXX and asked them to remove this item due to inaccurate reporting ( a collection account cant have an open status and a past due amount reporting On my credit file. I received an updated response by Trans Union stating the account is verified and updated *balance, *past due, *date updated, date closed. None of which addressed my concerns : TransUnion commented consumer dispute a change was updated ( Based on my dispute ) which was not. I am attaching the letter and their report reflecting open, past due and collection account as well as the certified mail receipt. Additionally I noticed this item reporting a ( loan type ) on my report which I have no loan or entered into any contract with this also is in accurate. My initial letter to TransUnion addressed the above concerns on XX/XX/XXXX However they previously sent on XX/XX/XXXX these changes and since I sent the new letter XX/XX/XXXX they mentioned my disputed info was addressed and wasnt. They sent a new updated response on XX/XX/XXXX stating that changes made and my concerns were still not addressed. No changes Im attaching both letters sent to me from TransUnion where they reflect the same results when it said it was changed. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX has violated my rights. 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.

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 2023-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Team Recovery Inc.
State: OH

Complaint narrative:
On XX/XX/22. The debt collector said we could settle all of my obligations owed to XXXX XXXX XXXX. I made 2 payment in the amount of {$1800.00} and {$390.00}. To resolve all outstanding debt with XXXX XXXX XXXX. I wrote a letter agreeing to pay these amounts if all of the debt owed to XXXX XXXX  would be satisfied. At the time there were 2 accounts for the same injury. Now 9 months later after never receiving a statement for close to a year. They create it to new accounts for the same injury. Stating that I owe XXXX and {$100.00} On two completely different account numbers even though there was only one injury. This injury took place over a year ago and all debts owed were to be satisfied by my finally payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Hello : In XXXX I had my mail stolen from my mailbox. I followed the police instructions, went to my bank ( Chase ) and closed my accounts and opened new ones. 

During that process, I had multiple fraudulent transactions which I had to deny. I also dug into my past transactions by signing up for online banking. I found 3 questionable transactions that I brought up to Chase and the Police. Two were quickly explained a way - a funds transfer to a wrong account that was still owned by me and a fraudulent transaction that Chase had credited me for the next day without notifying me. However, one fraudulent check for {$4100.00} was clearly an issue.

I filled all the paperwork with Chase and the police. In XXXX, my request for refund was denied by Chase because I hadn't notified them within 60 days of the transaction. I petitioned this denial citing that I didn't have on-line banking at the time, had been out of town a fair but and wasn't notified of the previous fraudulent activity that Chase had resolved without notifying me. Today, XX/XX/XXXX, I was told by Chase representative that my petition had been denied and that they would not be reimbursing me for the fraudulent activity. 

The fraudulent check had my banking information on it but was otherwise not my check- it didn't look like my checks at all. And it leveraged an older check # that I had previously used. Neither of those things were caught by Chase. My paper statements didn't show the check or the name of the person it was written to. I didn't know how to go on line and see the check image. I have lots of checks for my business and I missed this. 

I would like some help trying to get my money back. Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

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 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
Friday, XX/XX/XXXX XXXX XXXX XXXX XXXX ran my Old Navy credit card crediting it {$150.00} without my authorization. Without me purchasing anything and without me receiving any services. I signed nothing and immediately disapproved and was told the charge would be credited back to my card by the following Tuesday, XX/XX/XXXX. 
Tuesday the credit was not returned. I visited XXXX XXXX XXXX XXXX  and was told the credit would be returned to my credit card on Friday, XX/XX/XXXX. 
The lady who assisted me would not give her name so I wrote the business stating I wanted the money credited back to my account and received no answer. 
I called Barclays Bank and disputed the charge. Stating I did not give authorization. I did not sign anything or received any services or products from XXXX XXXX XXXX XXXX. 
As it stands Barclays Bank gave my {$150.00} to XXXX XXXX XXXX XXXX without XXXX  XXXX XXXX XXXXl giving me anything in return or authorized to do so. XXXX XXXXXXXX XXXX XXXX  stole my money with Barclays Bank help. 
After going back and forth with Barclays Bank I paid my balance leaving the {$150.00} plus {$1.00} x 2 the cost to fax the dispute letters and closed the account. I didnt add the first fax fee of {$7.00} because at that moment I couldnt find the receipt. Barclays Bank reopened the account and start charging me interest and late fees. 
Since XX/XX/XXXX Barclays Bank calls me on the advantage five times sometimes more a day. Only four representatives ever spoke on the phone, one said she was closing the account again, one sent me statements, and all four of them said they were sending my dispute to the dispute specialist. The other 100s of calls have no communication. I answer the phone and say hello and the person on the other end hangs up. 
I seriously think there is a communication problem with Barclays Bank representatives. The representatives I spoke to when I opened the dispute did not seem to understand or hear me say I received nothing. No service no product and I did not authorized the transaction. It sounds as if they were reading a script or AI programed to repeatedly say there is no dispute. 
Barclays Bank gifted my credit and now expects me to give them {$150.00} to pay for a gift I did not give. 
Please investigate Barclays Bank. Something is definitely not right. I have the account with Barclays Bank. Why would a Barclays Bank not look at all the red flags associated with XXXX XXXX XXXX XXXX theft and call 100s of time, saying nothing then hangs 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 explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To Whom It May Concern : In XXXX, my vehicle was wrongfully repossessed by Wells Fargo. I communicated with Wells Fargo in reference to my payment and we came to an agreement on when I needed to make the payment to prevent repossession. I received a letter from Wells Fargo stating I had 10 days from the date of the letter to make the payment. 

I was able to get the funds to pay the balance of the loan, but Wells Fargo had the vehicle repossessed prior to the 10 days agreement and reported the repossession to the 3 major credit bureaus. I communicated with Wells Fargo in reference to the agreement, I was able to pay off the loan and they released the vehicle back to me. But, the repossession stayed on my credit report for 7 years. I tried to get Wells Fargo to remove the derogatory remark from my credit report but they refused. It was years before I was able to recover financially because of this derogatory remark on my credit. 

Now, Wells Fargo has been hit with a lawsuit for this very reason. Your company provided me with the following number ( XXXX ) XXXX to contact Wells Fargo. I spoke with one of Wells Fargo customer service representative, to find out who will receive the compensation and if I was eligible. She indicated they have not dispersed any money and they are still working on who is eligible and to call back within another month or so. According to XXXX, some of Wells Fargo customers have already received checks or credit. 

How can I find out if Im eligible to receive the compensation?

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 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
I had been hospitalized and fallen behind on payments, attempting to get it back on track I was trying to make multiple payments in a month, a payment was reversed on XX/XX/2023 for {$50.00} I am waiting for bank statement to be sure there was funds on that day, I tried to make another payment on XX/XX/2023 I know there was funds in my account for that but the payment was reversed, both times I was charged {$30.00} for returned fee, payment was made with debit card. On XX/XX/XXXX I made another payment for {$20.00} to cover what was due that month, I then called and asked for a credit of a late fee and was told until my account was current they can't do anything, that is why I made the {$20.00} payment to get the account current. The person I talked to on the XXXX told me the return fee could not be removed and that they would credit me a late fee of {$40.00}. On XX/XX/2023 I noticed anther late fee and that I was credited {$30.00} on a returned check fee. I called them and questioned this, and was told that the {$20.00} had been declined, looked at my bank account and the money was taking from my account so I asked what was going on, I was then told that it was received on the XX/XX/2023 and that made it late, I looked at my account and payment was posted on XX/XX/2023 and that they would reverse the late fee. I questioned why the other late fee was not reversed and that a return fee, that was supposedly non reversible, was reversed, and could not get an answer. These items made me question the reality of my payments being made. Shortly after that last phone call I recorded an email informing me that my fees will be going up, maintenance fees, late fees, and return fees. I was giving the option to cancel my card if I did not want to agree to these fees and so I did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my file. ive noticed alot of errors an this needs to be resolved asap. please review an remove all invalid item to clear my file. this is my XXXX attempt an no updates have been shown. please delete all infromattion 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 non-monetary relief
Consumer complaint received 2023-07-28 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: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation