vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a complaint with the cfpb stating that the credit reporting agency listed failed to provide information requested within the 30 day window allotted by law. They stated that I would receive a response to my request within 60 days of my request. The law states that the credit bureau has 30 days to provide this information so the credit bureau is already in violation of the law. Another waiting period is not acceptable and items are to be removed from my credit report 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 2024-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ARC Management Group, LLC
State: TX

Complaint narrative:
I contact ARC MANAGEMENT GROUP LLC on XX/XX/2024 asking for information about a collection that recently appear on my credit report, and the customer service lady from this company refuse to provide me the information about the bill. I asked her to send me the bill to my email so I can provide it to my insurance company so my insurance could pay the bill and she refuse to do it and instead she will send it through the us mail and, it will take two days to have the bill on the mail, I'm still waiting for the mail. I contacted this company again and spoke with the same lady now asking her for the original creditor information so I can contact them and get more information about the situation and the lady hung up on me 2 times. The reason I was asking her it was because i made my research about the original creditor and i couldn't find any information. I Called to so many medical places like hospital, clinics to see if they could have any information about this bill but no one couldn't help me. I also contact my insurance company and they said that in order for them to pay this medical bill I need to provide the information or an original bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
After checking my credit report i noticed a fraudulent student loan account # XXXX XXXX/XXXX  on my credit report. 

DATE OPEN : XX/XX/XXXXXXXX  DATE OF DELINQUENCY : XX/XX/XXXXXXXX  Question : how can a delinquency occurred XX/XX/XXXXXXXX  yet the account was opened XX/XX/XXXX. The delinquency happened before the account was ever opened? 
How do you have a delinquency before there was ever an account????? 

I disputed the inaccuracy and the fraudulent nature of this student loan account and requested and investigation and removal from my credit file. They never submitted what i requested and continue to report on my credit file. As a matter of fact they keep changing companies and re-ageing the item rather than remove the inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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:
Forensic Evidence 100 % fraud by transunion. Intentionally reducing credit scores by huge amounts so it increases consumers interest we pay on credit cards I conducted a forensic evidence test to intentionally catch Transunion. See evidence attached XX/XX/2024 XXXX debts my score was XXXX XX/XX/2024 intentionally charged {$2200.00} credit XX/XX/2024 Transunion XXXX points score XX/XX/2024 intentionally payed {$2300.00} returned XX/XX/2024 Transunion XXXX points score Credit balance XXXX {$0.00} XXXX credit score Credit balance XXXX {$0.00} XXXX credit score transunion has been officially caught damaging my credit by XXXX points for no cause. this forensic evidence test was designed specifically targeting to catch their fraud in realtime with factual evidence. 

Federal agencies are being notified for legal action. 

Transunion is strategically forcing my credit score down to intentionally move my score down to force higher interest rates by creditors

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 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a complaint with the cfpb stating that the credit reporting agency listed failed to provide information requested within the 30 day window allotted by law. They stated that I would receive a response to my request within 60 days of my request. The law states that the credit bureau has 30 days to provide this information so the credit bureau is already in violation of the law. Another waiting period is not acceptable and items are to be removed from my credit report 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 2024-02-10 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: NV

Complaint narrative:
Fraudulently account was opened on my name. Please remove these two items from XXXX XXXX XXXX ( account # XXXX and XXXX ) from the credit report

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 2024-02-10 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: FL

Complaint narrative:
i recently reviewe a copy of my credit report and notice i had fraudulent accounts on report. please remove these accounts from my report, they are hurting my ability to obtain 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 2024-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To whom it may concern, I received my free credit report and have noticed discrepancies on a reported charge off account that violates my FCRA rights ( Fair Credit Reporting Act ) I have highlighted my concerns in the .pdf attached and ask that due diligence is done to confirm the validation of this debt. I have previously requested information from this collection agency and have in return received repetitive robot-like replies basically saying " take my word for it. '' I have not received real credible evidence including but not limited to : a signed contract, and the I.D provided at the time of contract signing. I've been made uneasy by the sloppy account keeping. I have provided FTC identity theft reports to this agency as well, per their request. They did not care and proceeded to ignore my request for deletion. I have spent months now attempting to work alongside the collection agency and have gotten nowhere. They refuse to provide me with valid information confirming the accuracy of the reported account. I am requesting that Transunion take control of the situation and determine the credibility and legality of this account by validating this debt. Across all three bureaus are inaccurate and contradictory reporting such as payment history, and account status. I would imagine that payment history and account status are the two most important attributes of an account on a credit report. Assuming that is the case, why are my accounts being reported this way? How can a person pay 45 % of payments on time for one bureau while simultaneously reporting 53 % payments made? This is not ok, this is not legal, and should be fixed ( deleted from my account. ) XXXX reports 45 % of payments made on time whereas XXXX reports 53 % of payments made on time. The payment dates and payment history, including times late, do not add up, and are not consistent, which adds credence to my claim that this company has sloppy reporting. All of this will be highlighted in the attached .pdf document for easy viewing. It is my understanding that accounts that are not accurately and consistently reported are in violation of my FCRA rights and if this debt can not be validated. 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 2024-02-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: AZ

Complaint narrative:
XXXX XXXX XXXX {$500.00} Filed a dispute with the cardholder regarding the transaction that was made on XXXX XXXX XXXX XXXX XXXX trying to withdraw money off my card amount of {$500.00}. Put my card in put in the information received my receipt and no money came out of the ATM. Called the merchant to report the problem at XXXX they told me to call the cardholder first. 
The cardholder " Chime '' XXXX I have been chatting with several people and getting a run-around the money was direct deposit from XXXX XXXXY CHECK

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-10 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: TX

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 A 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 2024-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To whom it may concern, I received my free credit report and have noticed discrepancies on a reported charge off account that violates my FCRA rights ( Fair Credit Reporting Act ) I have highlighted my concerns in the .pdf attached and ask that due diligence is done to confirm the validation of this debt. I have previously requested information from this collection agency and have in return received repetitive robot-like replies basically saying " take my word for it. '' I have not received real credible evidence including but not limited to : a signed contract, and the I.D provided at the time of contract signing. I've been made uneasy by the sloppy account keeping. I have provided FTC identity theft reports to this agency as well, per their request. They did not care and proceeded to ignore my request for deletion. I have spent months now attempting to work alongside the collection agency and have gotten nowhere. They refuse to provide me with valid information confirming the accuracy of the reported account. I am requesting that Experian take control of the situation and determine the credibility and legality of this account by validating this debt. Across all three bureaus are inaccurate and contradictory reporting such as payment history, and account status. I would imagine that payment history and account status are the XXXX most important attributes of an account on a credit report. Assuming that is the case, why are my accounts being reported this way? How can a person pay 45 % of payments on time for XXXX bureau while simultaneously reporting 53 % payments made? This is not ok, this is not legal, and should be fixed ( deleted from my account. ) XXXX reports 45 % of payments made on time whereas Experian reports 53 % of payments made on time. The payment dates and payment history, including times late, do not add up, and are not consistent, which adds credence to my claim that this company has sloppy reporting. All of this will be highlighted in the attached .pdf document for easy viewing. It is my understanding that accounts that are not accurately and consistently reported are in violation of my FCRA rights and if this debt can not be validated. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: CA

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 2024-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
First I bank with Wells Fargo. As I tell the story all I hear is horrible things about Wells Fargo. First someone stole my information and tried to use my card and Wells Fargo called me to ask if it was me. It was not. They sent out a new card. A week later I received another call from Wells Fargo, or what I thought was Wells Fargo. I was on the phone with them and some things didn't feel right, but they kept send the verification texts with the codes on them, so I thought it was them. They said they were going to send out a new card. On XX/XX/year> I got another call from Wells Fargo asking if I am making purchases in New York. Ive never been to New York, I was on the XXXX story of a new job in XXXX, California. The people stole my info, got money out of XXXX at Wells Fargo and bought shoes at a store in New York. Im watching the transactions happen while I was on the building. As I talked to the Wells Fargo staff, I didn't have my card because they said it was not working. In all they stole XXXX from my checking account. A week later I received a letter saying my claim was denied to get my money back, and what's worse is that these crooks had a debt card sent to there apartment in New York. I did my research and the card number they used I never received, because it was sent to New York. I called the Fraud center and told them that I never received that card. That I never been to New York and that was not me making those purchases. Also why did Wells Fargo send a card to a state I have never been to nor never lived at. Why would they not call me again and ask if I wanted a card sent to New York. They said that they would do a call review. They would let me know in XXXX hours. I call back a week later and they said that they have not reviewed it and that it would take 10 days. I called back a week later and they said that the claim was still denied, that they could not prove it was not me making those purchases. I asked to talk to the manager and they seemed convinced that it was me. I asked is legal action my next step and they said yes. My friend at work told me about cfpb. We aren't rich, so that XXXX was a big hit. I am just hoping to get this resolved and get my money back.

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 2024-02-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Forensic Evidence 100 % false wrongful reporting by equifax see attached Intentionally reducing credit scores by huge amounts so it increases consumers interest we pay on credit cards. 

I conducted a forensic evidence test to intentionally catch equifax. 

See evidence attached XX/XX/2024 XXXX debts my score was XXXX. XX/XX/2024 I intentionally charged {$2200.00} credit. 

XX/XX/2024 XXXX XXXX points score ..... 


XX/XX/2024 I intentionally payed {$2300.00} returned ..... 

XX/XX/2024 XXXX XXXX points score XXXX ... ... my balance XXXX {$0.00} with XXXX credit score ... ..my Credit balance XXXX {$0.00} XXXX credit score ... ...... 

equifax has been officially caught damaging my credit by XXXX points for no cause. this forensic evidence test was designed specifically targeting to catch their fraudulent reporting in realtime with factual evidence ... ... .. Federal agencies are being notified ... ... Equifax was caught strategically forcing my credit score down to intentionally move my score down to force higher interest rates by creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: FL

Complaint narrative:
i recently reviewe a copy of my credit report and notice i had fraudulent accounts on report. please remove these accounts from my report, they are hurting my ability to obtain 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 2024-02-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Collection Management. Inc
State: PA

Complaint narrative:
On XX/XX/XXXX a collection appeared on my credit report. It said it was originally openedon XX/XX/XXXX. I have not received any notice of this debt from the rental company, or the debt collection company. I was never attempted to be contacted, never received a letter written ir electronically about this debt. It just appeared on my credit report stating that i owe {$7200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit 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: Continental Finance Company, LLC
State: MI

Complaint narrative:
Charged XXXX dollars for charge I did not make XXXX. Twice

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 2024-02-12 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: The Receivable Management Services LLC
State: PA

Complaint narrative:
On ( XXXX ) I sent an Identity theft letter to ( XXXX XXXX XXXX, XXXXXXXX XXXX RECEIVABLE MGMT SVCS ). I have not received a response nor has ( XXXX XXXX XXXX, XXXXXXXX XXXX RECEIVABLE MGMT SVCS ) complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that was mailed on ( XX/XX/ ) and an updated FTC identity theft report. To my understanding, according to FCRA, debt collectors have 30 days to respond to disputes and request made by the consumer. ( XXXX XXXX XXXX, XXXX XXXX, RECEIVABLE MGMT SVCS ) have not made XXXX call, or sent one letter in regards to disputes I've mailed to them. This is a direct violation of FCRA Section 611 ( A ) ( 1 ). Which is punishable by up to {$1000.00} in fines per violation. If any disputes per the consumer request are not met with proof or verification within the requested and lawful amount of time, this account is to be deleted from the the consumer 's report, as by lack of response and documentation requested it signifies that this account is unable to be validated or verified. This Lack of validation per the consumer request is in direct violation of FDCPA Section 809 ( b ). Attached are the letters I sent plus my updated identity theft FTC report.

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