vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXX XXXX. Social security # XXXX DOB XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX reporting agency, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account that opened up by XXXX XXXXXXXX XXXX Acct # XXXX This accounts have resulted in fraudulent activity appearing on my consumer EARLY WARNING SYSTEM report. I demand that the aforementioned fraudulent items be removed for my rights within the FCRA and FDCPA laws. I've attached the consumer report stating The account that is showing fraudulent activity on my EARLY WARNING SYSTEM report. I do not recognize the aforementioned accounts. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On almost every occasion that I fly and use United  ( and this is in multiple airports, including XXXX XXXX and XXXX on multiple occasions in each place ), United has a sign that one-time pass holders are not able to enter their lounges. I receive 2 one-time passes a year from United because I have their Mileage Plus Explorer card, which I pay an annual fee for. Part of the reason I signed up for the credit card and agreed to pay the annual fee is because of the value of the lounge passes. However, almost every year since Ive had the card, Ive never even been able to use the passes because United wont let me into the lounge. Theres no advance notice or way to tell if a lounge is going to accept one-time passes other than physically walking to the lounge and seeing the sign. This is total misrepresentation of the value of the card because I would not have signed up for a card with an annual fee if the lounge passes hadnt been a perk. They are a perk in name only because they are virtually unusable. 

The feedback button on the United app is also broken. I tried to submit feedback that way but there was no functionality.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer XXXX report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX, XXXX {$2800.00}XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX, Bal. {$2200.00}, XXXX XXXX XXXX Account # XXXXXXXX  Date opened XX/XX/XXXX, Bal. {$1000.00}XXXX XXXX XXXX XXXXXXXX Account # XXXX Date opened XX/XX/XXXX, Bal. {$1000.00}, Account # XXXX date opened XX/XX/XXXX, Bal. {$240.00}, XXXXAccount # : **** Date opened XX/XX/XXXX, Bal. {$0.00}, XXXX XXXX XXXX Account # : XXXX Date opened XX/XX/XXXX, Bal. {$0.00}, XXXX XXXX XXXX Account # : XXXX Date opened XX/XX/XXXX Bal. {$0.00}. Late Payment Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2024-10-27 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: PA

Complaint narrative:
I am writing to request the removal of unauthorized inquiries from my credit report, as permitted under Section 609 of the Fair Credit Reporting Act. I believe these inquiries are inaccurate and were not authorized by me.Please Block and remove all information resulting from Identity theft pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) which states that these accounts must be removed within XXXX XXXX XXXX of receipt. XXXX XXXX XXXX XXXX violated my consumer reports on XX/XX/year> without a permissible purpose as per 15 U.S.C. 1681b ( 2 ) or knowingly without a legitimate business reason pursuant 15 U.S.C. 1681 b ( a ) 3 ( 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 2024-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
A drive by merchant stopped and asked if I would like some pine straw installed for {$6.00} per bale, I told them ok just keep it under XXXX bales, being I was just refreshing the front yard. They installed XXXX bales for {$160.00}, I paid with a citi costco card, they ran it on their phone and left, when the credit card statement arrived I had been charged {$2800.00}. I immediately called the company ( XXXXXXXX XXXX XXXX, no answer, filed a dispute online with citi costco, went to XXXX XXXXXXXX store to fax/email receipt, couple weeks later they denied my claim saying they did not receive my receipt, asked them if I could send again, called them a couple days later and they said they had received it and would reopen, couple weeks later, denied due to no receipt, I don't know what else to do, we are retired and live on a fixed income, {$2600.00} is a lot of money, thanks

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 2024-10-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inquiries were not authorized by me and all are duplicates : XXXXXXXX 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 explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-10-27 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:
On XXXXXXXX XXXX, during a review of my personal credit reports, I found reporting information to be incomplete and inaccurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information relating to the individual and accounts. 

The following accounts are incomplete and inaccurately being reported : ( XXXX XXXX XXXX Account # XXXX ), ( XXXX XXXX Account XXXX XXXX ), ( XXXX XXXXXXXX XXXX- Account # XXXX ), ( XXXX XXXXXXXX XXXX Account # XXXX ), ( XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX, Account # XXXX ), ( XXXX XXXXXXXX XXXXXXXX Account # XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ), ( XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Acount # XXXX ), ( XXXXXXXX XXXX XXXX XXXX Account # XXXX ). 

Furthermore, these reports do not adhere to 15 U.S. Code 1681s2 which states, " 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. '' Please reference attachments of findings.

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 2024-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : LVNV FUNDING LLC Address : Account number : XXXX Your NAME : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXXXXXX Ga XXXX Dear LVNV FUNDING : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax, XXXX and XXXX unlawfully placed negative items on my credit affecting my ability to procure goods and services. XX/XX/2024. They continued to do so after receiving my Power of Attorney, Common Law Copyright, XXXX and Trademark of my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-10-27 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: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
Companies reporting on consumer report without consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Self Financial Inc.
State: TX

Complaint narrative:
RE : you violated the us code law TILA 15 u.s.code 1666 ( B ) billing Recently I checked my credit report and noticed multiple billing errors under 15 u.s. code 1666 ( B ) ( 4 ) the creditor failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor ( 5 ) a computation error or similar error of an account nature of the creditor on a statement As I know the creditor didn't notify me 21 days before with a statement so there should be no late payment on this account.i demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consume

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items.

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 2024-10-27 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: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Navy Federal Credit Union XXXXXXXX XXXX XXXX Subject : Request Regarding Late Payment Reporting and Account Closure Dear Sir/Madam, I am writing to formally address an urgent matter regarding my account with Navy Federal Credit Union , with a balance of {$4100.00}, and its reporting to XXXXXXXX XXXX XXXX XXXX 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), it is required that all creditors report accurate information regarding consumer accounts. As such, if I have met all necessary obligations and have formally requested the closure of my account, it should not be reported as late. 

I have fulfilled all requirements per federal law and have actively sought to close this account. If for any reason the account can not be closed as per my request, I assert that it should not reflect any late payments on my credit report, as my compliance with regulations should protect me from negative reporting due to circumstances surrounding the accounts closure. 

I request confirmation that my account will be closed as requested or, alternatively, that you will cease reporting any late payments associated with this account. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Companies reporting on consumer report without consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: Consumer Portfolio Services, Inc.
State: LA

Complaint narrative:
Companies reporting on consumer report without consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-10-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Recently I had faced 2 issues that were handled by rocket mortgage in a dishonest way. 

XXXX ) They used one of the XXXX loan terms to their advantage. The change of interest rate by XXXX at their XXXX meeting was not promptly applied to the line of credit. Not only they waited for more than a whole month, but they did it with malice intent. They anticipated the lower rate coming and they pushed or shifted the billing cycle later and later over XXXX month period to their advantage. They even charged for 32 day interest month so that the lower rate would be delayed beyond normal billing cycle. Why cant they stick to billing cycle that is either between first to last day of the month or ( if they need to have it mid-month then ) it start from XXXX of the month to the XXXX of the month to avoid any incentive to manipulate it to their advantage? 

XXXX ) I have been trying to payoff principle but on 2 occasions they applied it incorrectly ( against my instructions ) and applied towards a future already scheduled automated payment which was still due 20 days away! On the second occasion they took my principal payment and applied to even further away future months schedule automated payment ( due date away about 50 days! ).

They not only taken away my grace period in the first occasion and in the second occasion purposely applied it incorrectly & also not actually knowing what the exact amount ( HELOC are interest only payments based on changing rate and paid separate principal ) ) would be for the future month, this much in advance with rate change happening or expected soon and not applying principal amount already paid earlier!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
Between XXXX XXXX and XXXX, XXXX, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX, which involved me making deposits for a total amount of XXXX USD from my Gemini account to fraudulent investment firm ( s ). 
Description of the Incident : I have been investing with XXXX XXXX XXXX out of XXXX, XXXX  since the end of XXXX. Invested over {$200000.00} while doing margin trading with XXXX XXXX ( Analyst ) and recently also communicated with XXXX XXXX ( Finance Dept. ). I tried to withdraw {$270000.00} from the account on the XXXX platform to transfer to my Gemini account and was given several excuses but was finally assured the funds would be received in my Gemini account. Needless to say, the funds were not there and my analyst and finantial representative are not responding. 

When I contacted Gemini with a complaint and a request to recover my funds, I was informed that they would close my account and I could no longer access the platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I could freeze my credit report if I paid them {$24.00} per mo. 
Fri, XX/XX/XXXX, XXXX, via e-mail " Your Experian credit file has been unlocked Because youve cancelled your paid membership and no longer have access to XXXX, your Experian credit file has been unlocked. So, any upcoming scheduled lock or unlock has been cancelled. Upgrade your account to use this feature again. ''

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