vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: TN

Complaint narrative:
OnXX/XX/2024, I received an alert that a collections balanced increased from {$310.00} to {>= $1,000,000}! 
This account was reported as fraudulent with police reports and an FBI report. They decided to do more damage to my credit report than actually removing the fraudulent account. 
If this is not removed within 7-10 business days, I am going to file a lawsuit for defamation of character for damages and I have already consulted an attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: TX

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: North State Acceptance, LLC
State: NY

Complaint narrative:
Illegally reporting a repossession on my credit. Illegally reporting an incorrect balance on a car thats be resold.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: FL

Complaint narrative:
Improper use of my social and credit

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 2024-05-18 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: FL

Complaint narrative:
Improper use of my social and credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: PA

Complaint narrative:
In accordance with the fair credit reporting act 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Caine & Weiner sent presentments to my address regarding a debt I do not owe. I have never entered into any contracts with Caine & Weiner. Therefore, I am not liable for any debts with the company and the company 's actions are false and misleading. False and misleading representations are a violation under the FDCPA. The company has furnished the false and misleading information to XXXX XXXX, XXXX, and XXXX. The furnishing of this alleged debt information is damaging my credit reputation and causing me to be denied credit for personal, family, and household purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 Account name : DEPT OF EDXXXX XXXX., Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX violated my rights. 


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 2024-05-18 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: Experian Information Solutions Inc.
State: SC

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 Account name : DEPT OF EDXXXX XXXX., Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX violated my rights. 


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 explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I pulled my credit report per lender to check and see if TRANSUNION has properly blocked the fraudulent accounts on my report and they have not because Transition has me BLOCKED from receiving a new report weekly! 

After filing a fraudulent dispute for several accounts in XXXX, I mailed in police reports, FBI report and FCRA 605B ( 15 U.S.C. 1681c-2 ) form ( SEE CERTIFIED RECEIPT ATTACHED ).

They have yet to block the information while under investigation within 4 business days. When I called them on yesterday, XX/XX/year>, the special handling team stated that I did not qualify, but under the law it does NOT SAY A VICTIM HAS TO QUALIFY WHEN IDENTITY THEFT is involved. 
It states that if a CRA declines, that the consumer has to be notified PROMPTLY and that action was also not taken as well. I received no notices within the last 3 weeks from TRANSUNION.

The IRS, SSA and other reporting agencies politely did their job but TRANSUNION has failed.

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 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/24 I received my wig purchase from XXXX XXXX. Upon arrival I seen that the wig was not the correct length, it had spaces in it near the cap, had really bad shedding and a terrible odor. I contacted XXXXXXXX XXXX  to let them know my concerns and they refused my refund, instead they offered hair care advice and a coupon. On their website it states I am supposed to get a refund if dissatisfied with their product or if their product was faulty within 15 days or receiving. I disputed the purchase with wells fargo on XX/XX/24. They sent me a letter on XX/XX/24 asking for more information, I then called and told the representative more information over the phone. I then got a letter XX/XX/24 stating due to me not giving any extra information they are reversing my credit. I called immediately and told the representative that I did give more information and I am confused on why I am being sent this letter. She told me not to worry and to email them immediately the information I had, so I did. I then get a letter stating they are reversing my credit on XX/XX/24 due to not having enough information. Even after I did give them more information, thats totally unfair to me and now its way past the time to return the wig to XXXXXXXX XXXX. They expect me to pay for that and when I tried to re open my claim, they refused.

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 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: NY

Complaint narrative:
My card was expired and I didnt get any replacement I tryed to connect the bank but it was useless. I just need to get the money from my account but there is no bank in my state. I also cant access online banking. As I mentioned I just need to transfer the money to another account it withdraw them

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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, I am connecting with you guys about some unrecognizable accounts that I found listed on my credit report. The accounts listed below need to be removed due to not having any knowledge of their existence. I am a victim of Identity Theft. I do not recognize any of the accounts that Ive listed in this letter. I reported the theft of my identity to The Federal Trade Commission, and I do obtain enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I am politely requesting the removal of the items listed on this letter. Thank you in advance for your teams help. Take care.

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 2024-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
I use Zelle between family members. Usually my husband and sister. On XX/XX/XXXX I received {$80.00} from a complete stranger. There was no reason for this person to send me money. I reported this deposit to Zelle as fraudulent. I assumed ( silly me ) they would take care of this. On XX/XX/XXXX my husband tried to Zelle me an amount for household purchases. It would not go through and my account comes up restricted and I should contact Zelle support. I did so. I was kicked up to level two support and XXXX from Zelle read me a script about how I agreed to Zelle terms of service when I opened my account and that my account was restricted because I " violated '' one of the TOS. XXXX refused to tell me what TOS I had violated, or how I had violated them. She said this is a permanent restriction. I was treated like a criminal! This is absolute nonsense, very discriminatory and unequitable treatment. Please investigate Zelle and other similar companies for these discriminatory and unequitable policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Account name : XXXX Account number : XXXX I just recently looked at my credit report and noticed that some accounts have a late payment. 
Reinvestigate this concern and update payment on XX/XX/year> and XX/XX/year> to pay on time. Delete 30 day late from my credit report immediately due to violation of 15 USC 1681s-2 ( f )

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 2024-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I asked repeatedly for information of the interest rate when I signed up for this card back in XXXX. They are refusing to provide the information. For some reason, they are now charging an interest rate of 31 % which I can not afford as I am battling XXXX. I don't understand how they can charge such a high rate. I only questioned the rate as I made payments on the account but the balance only increases. This is an unfair practice by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
My name is XXXX XXXX. I bought furniture from XXXX XXXX through opening their store credit card ( comenity bank ). I was enrolled in 48 months promotional interest free plan. Before the promotion end I made all my payments on time. My promotional plan was ending on XXXX XXXX and I made all my payment by XXXX XXXX. 
On XXXX XXXX I made one payment of {$200.00} online and tried making another payment of leftover balance of XXXX but the system was not accepting. I called the XXXX credit card and told them I am trying to make a payment online but system is not taking so I was told you can only make one payment a day online. Then I told the representative that I want to make a payment which I did over the phone with the representative. On XX/XX/XXXX I checked my bank account and saw that one payment of {$200.00} was withdraw but the other payment I did over the phone with the representative is not showing up. I called the XXXX XXXX  credit card customer service and inquired about the situation and was told that their representative did not enter the account number right which is why the payment is being returned. I told them I want to make a payment again but they told me the system is not letting them accept the payment. I asked them if I can go to any of their store and make a payment and was told I can try that. I called the XXXX and XXXX XXXX XXXXXXXX XXXX store and inquired them about accepting payments in store. I was told they do not accept in store. Finally on XXXX XXXX the balance reflected back into my account with the return fee of {$23.00}. I did my payment right away of XXXX and called them to reimburse me of {$23.00} of return fee as they promised they will credit that and all the interest if they happen to charge me which they did. I called them today again but did not really got any help. I am in so much stress that it cant take good care of my family. I have XXXX kids. They are causing me a lot of stress even though I did all my payments on time. 
My phone number is XXXX Please call me and do reply

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-18 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: LEXISNEXIS
State: MO

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.

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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: PA

Complaint narrative:
In accordance with the fair credit reporting act 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I signed a legal contract with a merchant to purchase goods and paid them through PayPal. I have a copy of the signed, legal contract with both my signature and the merchants. The merchant then stopped contacting me and is refusing to refund my deposit, which the contract states is refundable. The deposit was in the amount of {$500.00}. When I reached out to PayPal, they were unwilling to file a report to open a claim on this scam. I also contacted my bank, XXXX XXXX, who also refused to open a claim because it was a payment made from a bank transfer. XXXX illegally disclosed information to me about the merchant, such as their banking institution and account number. I did not do anything with this information, but I need someone to open a dispute about me losing {$500.00} even though I have a signed legal contract with the merchant. No one has been willing to open a dispute for me, claiming that the type of transfer is not insured even though it was through PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
XX/XX/2024 : Two unauthorized money transfers were made by Western Union from my checking account to a person identified as XXXX XXXX who was located in XXXX XXXX, XXXX. 
Western union apologized for the fact that my Western Union account was affected by fraud and then proceeded to deny my claim ( CASE ID : XXXX ) for a refund by citing that their agent followed all of their policies and procedures and unilaterally denied my claim. 
I responded first that I have never been a customer of Western Union and that I have never had an account with them. Further, I stated that their policies and procedures were deficient in that they should have further verified the opening of a new account and questioned a transfer from a person with an Irish-American surname who lives in the US to a person with a middle eastern name living in XXXX. A second factor authorization in a case like this would have seemed to be in order.

Company response to consumer: Closed with explanation