vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXXXX/XX/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 2024-02-28 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: FL

Complaint narrative:
XXXX XXXX XXXX is reporting on all my credit reports that I had insurance with XXXX insurance which I Did but I called and cancelled my insurance because I moved to New Hampshire were I didn't have to has car insurance. Car insurance is not required in New Hampshire. The are saying I didn't call and cancelled and they just automatically renewed my insurance even though I didn't want them to. I want proof that I didn't call and cancel I cancelled asked for proof under credit section 690 they must provide me proof I didn't call and cancel if the can't prove I didn't call the must delete from credit reports 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 non-monetary relief
Consumer complaint received 2024-02-28 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: FL

Complaint narrative:
XXXX XXXX XXXX is reporting on all my credit reports that I had insurance with XXXX insurance which I Did but I called and cancelled my insurance because I moved to New Hampshire were I didn't have to has car insurance. Car insurance is not required in New Hampshire. The are saying I didn't call and cancelled and they just automatically renewed my insurance even though I didn't want them to. I want proof that I didn't call and cancel I cancelled asked for proof under credit section 690 they must provide me proof I didn't call and cancel if the can't prove I didn't call the must delete from credit reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: NJ

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Equifax is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I live in XXXX and XXXX. The furthest XXXX I have ever been is XXXX. Which still isn't close to XXXX. It says the transactions were made at a XXXX ATM. There is no way this could have been authorized by me. I have my card on me 24/7 but I was told that a card was present. I recieved a false phone call with someone claiming to be Wells Fargo. I feel this is true because as soon as I got off that phone call, I recieved 400+ spam emails. Somebody must have gotten my information, made a fake card. Then used it to remove money from an ATM. I have anything and everything to prove that this was fraudulent. Case number : XXXX {$690.00} was taken from ATM

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 2024-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: AL

Complaint narrative:
My phone has been ringing every 30 - 45 minutes. I block the numbers and they call with new ones. I asked them to stop. I told them this was abusive behavior and if it didn't stop I was going to report them, but they keep calling. I don't want to turn my phone off, but that's what I'm going to have to do for a few minutes of peace. I've been called 8 times today and blocked every number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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:
XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$1700.00} XXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$1700.00} XXXX XXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> {$6300.00} TXXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$6300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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:
EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$1700.00} XXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$1700.00} XXXX XXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> {$6300.00} XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$6300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hello, I have my credit score drop from XXXX to XXXX in last few weeks because Citi credit card account is not able to pull up my disputes and has been charging me interest rate and mimumum payments on the disputed transactions since XXXX. They initially gave me the refund took it back and then gave it back to me and then took it again without notifying me. I have called them several times and told them that i changed my bank account and I was tired of the automatic withdrawal for minimum payment every month. 
I told them to put hold or do I need to keep making payments but they told me don't worry we will take care of it. But instead they made my account deliquent and ruined my credit. 

Even after staying on the phone with them over an hour they didn't give me any resolution and told me to call back again. I ended up paying {$480.00} for charges that I do not owe. I have not used the card in the last XXXX years besides monthly XXXX subscription being charged to the account. 

I really need help to restore my credit and fix this issue! 

Thank you. 

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 explanation
Consumer complaint received 2024-02-28 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: WA

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 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 2024-02-28 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: WA

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 non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: TX

Complaint narrative:
XXXX and Trans Union are violating my FCRA consumer rights. I sent a dispute on XX/XX/2024 and they have not responded. I also contacted the court for the inaccurate Bankruptcy on my report, they stated that they do not report to credit bureaus. I attached a copy of the document they provided. Please help me investigate this. The inaccurate accounts and BK are preventing me from obtaining 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 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
An example is that I made a CASH payment for my Chase Credit Card on Friday,XX/XX/XXXX. 

Today is XX/XX/XXXX and CHASE has YET to apply the {$2000.00} to my credit card balance. 

These typea of delays are TYPICAL with Chase whether I make cash, check payments or electronic transfers from another bank. 

When I make electronic transfers from my credit union, the money is removed from the account within two days but CHASE delays the deposit for more than a week. 

In the mean time, finance charges continue to build. 

I informed them that I would be filing complaints against this practice to appropriate agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-02-28 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Ref : Best Buy Visa, account XXXX On XX/XX/XXXX, someone made a purchase to my account for {$210.00}, I did not make this purchase. 
The next two statements from Best Buy credit card went to an old address and did not catch up with me until late XXXX. I did not change the address on my Best Buy account on a timely matter because the account balance was supposed to be XXXX. 
On XX/XX/XXXX, after noticing the problem, I called and disputed the charge of {$21000.00}, the fees of {$69.00}, and interest of {$12.00}. I was lead to believe that all would be removed from the account. 
On XX/XX/XXXX, a credit was issued for {$210.00} and on XX/XX/XXXX for {$58.00}. Those statements clearly stated that I was not required to pay disputed amount, incl interest & fees until dispute was investigated and settled. However, it was never explained that I would have to pay the statement balance to stop future fees and interest. A practice not done by my other credit cards such as Citi Mastercard and XXXX XXXX. 
Records will show I called Best Buy Visa on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to correct the issue. I was always lead to believe that the fees and interest would eventually be credited and to disregard the Best Buy statements. You can confirm this by listening to the voice recording. 
It was not until XX/XX/XXXX, that someone explained that I had to pay the total balance for fees and interest to stop. I paid the full amount on that date and submitted a new fraud dispute. 
Let me know if you need any further information. 

Regards, 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 monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have a TD bank credit card that is I used for many years and I was racking up points on that Card. However recently when I used it, it wouldn't work so I tried calling them and accessing it online and was told that my card was shut down on XX/XX/2023 but I never received a letter in the mail or any email letting me know my account was shut down. They also took away all my points and said that they gave me 100 days to redeem them but I was never notified that my account was closed so I didn't know about the 100 days. Now they wont give me cash back on all the points I had over the years and they also won't help me get anything back. I called and some employees are saying you should've got a check in the mail automatically after closure of the account, while others are saying we don't send a check unless you redeem the points. This is unethical business practices. The employees at TD don't know about their own rules and credit card agreement 's but they expect the customer to know them. They also are not notifying their customers on such an important matter which is really unfair. I have been with TD for over 10 years, I also run all my business checking accounts, and personal accounts through them. I will be switching to a new bank soon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Credit Karma, LLC
State: MI

Complaint narrative:
I have a checking account with Credit karma they froze my account on XXXX XXXX without providing me with a reason. It has been over a week Ive been contacting them about this and Ive had no luck getting access to my account so I can access my funds, they provide me with the same excuse every time thats its being escalated to a higher department, but the higher department never reaches back out. To contact me I have not received not one email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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