vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-27 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: NV

Complaint narrative:
Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that TransUnion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. XXXX XXXX account number XXXX. TransUnion has the amount owed as {$18000.00} and XXXX is showing the amount as {$18000.00}

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 non-monetary relief
Consumer complaint received 2024-07-27 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: IL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
This is related to complaint XXXX. That complaint was solved by the company satisfactorily as the product had not been returned. I was told by wells fargo that if I returned the product to the company ( XXXX ) and they still refused a refund after XXXX weeks then they could re-open the dispute and pursue it properly. 

I paid to ship this product back to XXXX per XXXX  shady XXXX return policy. koalarhealth confirmed receipt of the item and then, predictably did not issue a refund. when I asked for the reason, after many different excuses were given they eventually landed on that wells fargo had an active charge back against them, so they were unable to issue a refund until that charge back was cleared. I contacted wells fargo and they claimed to know nothing of this and said it would not stop the company from issuing a refund. Wells Fargo 's dispute department then tried every trick under the sun to avoid re-opening the dispute. every excuse from " I'm sure the company will issue a refund once they receive the item '' to " its been 121 days our limit for disputes in 119 days ( never once mentioned in the many hours I have spent on the phone with them ) ''. eventually after being forced to threated reporting them to every regulatory agency in existence they transferred me to a supervisor. This supervisor had no trouble re-opening the dispute ( that 119 day limit was apparently XXXX ), but clearly was only half listening as they talked over me several times during the call. In the end they re-opened the dispute only to close it the next day because they looked up the tracking number on the shipment and it shows the item as still in transit. This is obviously an error in the tracking as the company has already confirmed receipt of the item. Wells Fargo had the proof of this confirmation of receipt as they specifically asked for it, but they closed the dispute anyway despite this proof that the item was in fact delivered. I have yet again attached my email chain with XXXX where they clearly state they received the item. 

It is clear they did not even try to contact the company to resolve the dispute. they just looked up the tracking number and closed it straight away with no further actual investigation. 

XXXX has continued to insist throughout this process, that all they need is confirmation from wells fargo that this dispute has been closed and they will automatically issue a refund.

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX  Docket # XXXX This account does not meet doesnt meet FCRA requirements.According to 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 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 2024-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Without notice, Citibank has stopped producing monthly statements when there is no new purchase posted despite the account having a balance due.

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I submitted a dispute through XXXX to correct an error regarding a car loan through XXXX XXXX that shows that the loan was discharged due to a XXXX  XXXX. That information is incorrect. The loan was not discharged due to a XXXX  XXXX. As a matter of fact the XXXX  XXXX was dismissed. It was never XXXX. XXXX XXXX was initially listed as XXXX of my creditors on the XXXX  XXXX filing, however the loan was satisfied the year before by my insurance company, XXXX, and my XXXX XXXX, as a result of a XXXX that caused my car to be totaled. The loan was paid in full from both parties. I have documentation supporting that fact.

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I submitted a dispute through XXXX to correct an error regarding a car loan through XXXX XXXX that shows that the loan was discharged due to a XXXX  XXXX. That information is incorrect. The loan was not discharged due to a XXXX  XXXX. As a matter of fact the XXXX  XXXX was dismissed. It was never XXXX. XXXX XXXX was initially listed as one of my creditors on the XXXX  XXXX filing, however the loan was satisfied the year before by my insurance company, XXXX, and my XXXX XXXX as a result of a XXXX that caused my car to be totaled. The loan was paid in full from both parties. I have documentation supporting that fact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
The following charges were unauthorized by me. I lost my phone, which was logged into XXXX XXXX XXXX, which was linked to my backup debit account on CashApp. I attempted to dispute these charges, but they were denied by Cash App, for reasons never explained to me other than " suspected fraud ''. Previously, 19 charges of a similar nature were discovered and refunded as a dispute was resolved IN MY FAVOR ( see attachment ). XX/XX/scrub>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 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 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 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 {$100.00}. 

I took it to the XXXX  and they still ignored my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: GA

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit reported. I received a 1099-C ( Cancellation of Debt '' ) for the following charged off account listed below. for XXXX account # XXXX checking my most current reported updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.

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 2024-07-27 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: GA

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit reported. I received a 1099-C ( Cancellation of Debt '' ) for the following charged off account listed below. for XXXX account # XXXX checking my most current reported updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: TN

Complaint narrative:
I've recently checked my credit report and noticed some inaccuracies. I have asked the company to remove the inaccurate accounts and inquires they have reported. They have failed to provide why they are reporting in accurate information to my credit report. This is causing financial hardship in my life.

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 2024-07-27 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
After checking my credit report from Transunion I found numerous inquiries that I did not consent to. these companies have violated my right to privacy and used my information without my knowledge. I do not know how these companies got ahold of my information and I understand that it is the responsibility of the consumer reporting agency to verify and make sure the information being reported is fair and accurate. My information was apart of a data breach and could have easily been compromised and exploited by these companies. After contacting Transunion I was told that there is nothing they can do multiple times. I understand that i have certain rights and laws that protect against these things and do not wish to pursue any legal action as long as the outrages amounts of inquiries are removed. 
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 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 2024-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: MO

Complaint narrative:
I received emails from chime.com welcoming me to Chime and that I would be receiving a debit card in the mail, and other emails. I deleted these emails without opening them. Today I received a debit card in the mail. I immediately contacted Chime and they confirmed that I did have an account set up in my name. I had them close the account and after a few minutes on hold they did say that the account was closed and gave me a reference number XXXX. I also received an email saying the account was closed. My complaint is why and how this account was opened in the first place. After doing some online research this is an ongoing event with Chime for the last several years. Chime at the very least has very lax security measures in place or is complicit in opening accounts without approval using personal information that was paid for or stolen. Why has this company been allowed to continue to do this and why is there no investigation into this problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One will not temporarily lower my monthly payments even though I am experiencing financial hardship post Covid. This seems to be trending with other credit card companies as well and something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: GA

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit reported. I received a 1099-C ( Cancellation of Debt '' ) for the following charged off account listed below. for XXXX account # XXXX checking my most current reported updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.

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 2024-07-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I checked my credit profile and found some credit card accounts and inquiries that can't in no way be verified and information that is not 100 % accurate these items are not being reported as 100 % correct! I Now know that this is against the laws that protect me and other consumers alike to report any information, data, credit cards, or inquiries that have not been showing to be 100 % accurate. Inside The fair credit reporting act it say that every single thing on my credit must be 100 % accurate under 15 USC Code 1681e ( b ) and 15 USC 1681i ( 5 ) these fraudulent collections on my credit report is a huge violation of not reporting a account 100 % accurately for these violations I can sue XXXX for {$4000.00} in federal court and I can sue Equifax for {$4000.00} in federal court which is {$1000.00} per violation!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Inaccurate Charge-Off Information on My Credit Report Dear XXXX, I am writing to dispute inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( 15 U.S.C. 1681 ) and 611 ( 15 U.S.C. 1681i ). The information in question is a charge-off reported by XXXX XXXX with the account number XXXX. 

This charge-off is inaccurately reported because I have not received a XXXX form from XXXX XXXX, which is required under IRS regulations when a debt of {$600.00} or more is canceled. The absence of this form raises questions about the accuracy and completeness of the information being reported. Under the FCRA, credit reporting agencies are required to ensure maximum possible accuracy of the information contained in consumer reports ( 15 U.S.C. 1681e ( b ) ).

Additionally, the status update and the status of the charge-off do not correspond and are contradictory. This inconsistency violates the FCRAs requirement for accurate and non-misleading reporting ( 15 U.S.C. 1681s-2 ). It is essential that the status of the account is reported accurately and consistently. 

The details of the inaccurate charge-off are as follows : Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Charge-Off : [ Date of Charge-Off ] Dispute Reason : Account Information Incorrect Attached, please find copies of relevant documentation supporting my claim. According to the FCRA, you have 30 days to complete this investigation and provide me with the results ( 15 U.S.C. 1681i ). If the account can not be verified within this period, the account must be completely removed from my credit report as required by the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ). 

Thank you for your prompt attention to this matter. I expect to receive a response within 30 days of receipt of this letter as required by the FCRA. 

Sincerely,

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