vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, 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:
TransUnion Please see attached - I was a victim of identity theft and there's fraud on my credit report I need to have resolved as soon as possible as its damaging my credit. 

Attached to this is : - My written complaint - My drivers license - My social security card - My address - Federal Trade Commission - Identity Theft 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 2023-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
In XXXX, I opened an account with Fortiva through XXXX to pay for a big ticket appliance. The terms of the account were satisfied in XXXX and I never used the card again. I received in the mail a credit card from Fortiva, with terms and conditions I never requested nor agreed to. I was notified of this through another lender of mine who advised of new accounts on my credit report. My credit score also had decreased.

I contacted Fortiva on Monday 8/21/2023 to advise I never requested nor authorized a credit card to be issued in my name. The agent I spoke with XXXX, offered an apology and advised he would close my account. 

On XX/XX/XXXX I received an email stating that I was notified via email a few months back that I didn't opt out of the offer, and therefore they issued me a card. It appears I closed the account, however I take issue with this as I never gave express permission for an account to be opened. I understood that it was illegal for a company to open a credit card account without permission of an account holder. 

I request that Fortiva do what ever necessary to undo the actions they have taken and report that they opened a credit account in my name without my permission to all three credit reporting agencies. 

A financial institution should not be permitted to reserve the right to open accounts in a consumers name, just because that consumer previously did business with them! 

In my original terms with fortival, it was an installment-type of loan in excess of two thousand dollars, to cover the costs associated with the purchase of a kitchen appliance. The interest on that initial loan was high- XXXX XXXX. The interest on this credit card they opened without my permission is is XXXX XXXX. The credit limit issued was {$1000.00}. Fortiva claims this was an upgrade from my account through XXXX. How is this an upgrade? 

I have faced penalties and consequences from my authorized credit card companies who have since reduced my available credit by thousands of dollars citing that "... too many new credit accounts have been opened in my name. ". 
I am very disappointed in the actions by Fortiva in taking steps I did not authorize that led to a drop in my credit score and my available credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I bought a XXXX XXXX XXXX XXXX in XX/XX/XXXX and it was financed through Ally Auto. Ally had previously financed a truck for my in XXXX, the loan was closed out and in good standing, so when I try to make my new online profile it keeps stating that I have an account. Whenever I try to recover my account, it gives me an error code as seen in the screen shots that are attacked. I have contacted Ally Auto 's customer service for online account XXXX and again on XXXX regarding this issue since I can not log in to pay my loan. I was told that it would be 3-5 business days and my account would be reset on both prior phone calls. I contacted Ally again on XXXX to inform them that the account is still locked, the representative informed me that the ticket # XXXX was lost or looked over and would have to create a new ticket. This would prolong the issue about 3-5 business days, when asked to speak to a supervisor who could escalate the issue I was told " The account is past due, we can not let you speak to a supervisor here so we have to send you to collections and let them handle the issue. '' When talking with collections, they have no control over the online account and the cycle repeats, going back and forth between the departments. The issue is that they are wanting me to pay through a third party and pay " convenience fees '' in order to make the account current whenever the issue has been on their side since the loan was due on XX/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 explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Identity documents which includes ID & Social security card were stolen in XXXX.After recently obtaining a copy of my credit report I found several FRAUDULENT accounts and inquiries that were listed on my credit report they were listed on my transunion, XXXX XXXX. These accounts have violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a customer reporting agency can not furnish a account without my writen instuctions. 15 usc 1681 i ( 5 ) inaccurate credit reports directly impair the efficiency of the banking system. 
IN accordance with the fair credit reporting accounts listed below : Following are the accounts and inquires : 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 Also listed on report was an unfamiliar address XXXX XXXX Ct XXXX, NC 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 2023-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paragon Subrogation Services, Inc
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Phone : XXXX Re : Dispute of Account # XXXX ( Previously : Paragon Subrogation Services ) To whom it may concern, I am writing to formally dispute the validity of the above-referenced debt based on my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e. This provision prohibits a debt collector from using any false, deceptive, or misleading representation or means in the collection of any debt.

Furthermore, I have concerns regarding potential violations related to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, regarding permissible purposes for furnishing consumer reports.

I also want to underscore that according to guidelines from the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), any deceptive debt collection practices may result in severe penalties.

Please review this matter and provide evidence that supports the validity of the debt in question. If you can not validate this debt, I expect its removal from my credit report and a written confirmation once it has been done. 

Thank you for your immediate attention to this matter. I anticipate a timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-08-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2023, I opened both checking and saving account with promo code in branch. In order to meet the qualification of opening account bonus offer, I transferred {$15000.00} from my XXXX account ( an American online bank ) to Chase saving on around XX/XX/2023. As I didnt see the {$15000.00} transfer showing on my Chase saving account, I made another {$15000.00} transfer on around XX/XX/2023. The second transfer was cancelled because of insufficient XXXX account balance and later I found the first transfer showed on my Chase account successfully. 

On XX/XX/2023 Chase informed me that they may closed my accounts because of potential fraud. I called at customer service center and they said thats the final decision, Chase will end the relationship with me without giving any explanation. I strongly believed there must have some mistakes so I applied an investigation. 
On XX/XX/2023, They called and said will proceed the investigation. On XX/XX/2023, they called and told me the investigation is closed and the decision of closing my account is final and wouldnt give me any reason why they closed my account, stating that they reserved the right to which customers Chase having business with. So I asked the progress of my {$15000.00} fund, I was transferred to their electronic funding department, which they said this fund was under verification and no estimated time when its going to be done, the transfer is between my accounts under my name and the money is mainly from salary so I ask if they could transfer me to the department verifying the fund or I could provide any information they need in order to faster the process, sadly they refused. It was very frustrated without knowing why Chase closed my account, if theres really ID thief issue related, I should have the right to know. This whole process and my pending {$15000.00} made me feel unsafe toward the safeguard of money in banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Identity documents which includes ID & Social security card were stolen in XXXX.After recently obtaining a copy of my credit report I found several FRAUDULENT accounts and inquiries that were listed on my credit report they were listed on my XXXX, equifaxand XXXX. These accounts have violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a customer reporting agency can not furnish a account without my writen instuctions. 15 usc 1681 i ( 5 ) inaccurate credit reports directly impair the efficiency of the banking system. 
IN accordance with the fair credit reporting accounts listed below : Following are the accounts and inquires : 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 Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Also listed on report was an unfamiliar address XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604A section 2 it also states a consumer reorting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
I recently filed a complaint XXXX XXXX XXXX but failed to include the other Inquires that I do not recognize. These include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe these inquires are a result of identity theft.

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
History : * I traded my leased a XXXX XXXX XXXX  vehicle ( VIN XXXX, Leased from XXXX XXXX ) at XXXX XXXX of XXXX XXXX on XX/XX/2023 XXXX 
* XXXX XXXX of XXXX cut a check to XXXX XXXX on XX/XX/2023 which was cleared on XX/XX/2023 * XXXXXXXX XXXX refused the payment to pay-off this lease unit XXXX and they cut a new check on XX/XX/2023 back to XXXX XXXX. 
* XXXXXXXX XXXX reported to credit bureaus as nonpayment on my part. 

Issue : * To resolve I paid off the vehicle out of my pocket Dated XX/XX/2023. 
* Now my account with XXXX XXXX is settled/fully paid but they are not reporting it back to created bureaus to restore my score. 
* Talked to XXXXXXXX XXXX customer support at XXXX. They do not report the settlement to credit bureaus. 
* Attaching letters from Payment history and Fully paid letter from 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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
History : * I traded my leased a XXXX XXXX XXXX  vehicle ( VIN XXXX, Leased from XXXX XXXX ) at XXXX XXXX of XXXX XXXX XXXX XX/XX/2023 XXXX 
* XXXX XXXX of XXXX cut a check to XXXX XXXX on XX/XX/2023 which was cleared on XX/XX/2023 * XXXXXXXX XXXX refused the XXXX to pay-off this lease unit XXXX and they cut a new check on XX/XX/2023 back to XXXX XXXX. 
* XXXXXXXX XXXX reported to credit bureaus as nonpayment on my part. 

Issue : * To resolve I paid off the vehicle out of my pocket Dated XX/XX/2023. 
* Now my account with XXXX XXXX is settled/fully paid but they are not reporting it back to created bureaus to restore my score. 
* Talked to XXXXXXXX XXXX customer support at XXXX. They do not report the settlement to credit bureaus. 
* Attaching letters from Payment history and Fully paid letter from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
History : * I traded my leased a XXXX XXXX XXXX  vehicle ( VIN XXXX, Leased from XXXX XXXX ) at XXXX XXXX of XXXX dealership on XX/XX/2023 XXXX 
* XXXX XXXX of XXXX cut a check to XXXX XXXX on XX/XX/2023 which was cleared on XX/XX/2023 * XXXXXXXX XXXX refused the payment to pay-off this lease XXXX XXXX and they cut a new check on XX/XX/2023 back to XXXX XXXX. 
* XXXXXXXX XXXX reported to credit bureaus as nonpayment on my part. 

Issue : * To resolve I paid off the vehicle out of my pocket Dated XX/XX/2023. 
* Now my account with XXXX XXXX is settled/fully paid but they are not reporting it back to created bureaus to restore my score. 
* Talked to XXXXXXXX XXXX customer support at XXXX. They do not report the settlement to credit bureaus. 
* Attaching letters from Payment history and Fully paid letter from 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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
Regarding my Apple Card from Goldman Sachs, I have had this card for years and have built up my credit limit. Its my primary credit card. I added my partner to the card as a co-owner years ago. My relationship with my partner is now over and we both agree that she should be removed from the Apple Card. There is no way to do this. The account must be completely closed and if I wish to, I can re-apply for a new card. This creates more than an inconvenience and I argue is an undue burden on the consumer. I am unable to keep the credit I built, I have no guarantee I will receive the same terms when signing back up, and I could even be rejected for a new card, losing my primary line of credit Ive used for years. Closing and re-applying would negatively impact my credit score and would cause me to need to reconfigure recurring payments I make using the card. There is also an attached savings account I would lose that only I can manage ( the account co-owner does not have access ). Given the burden of this process, I should be able to remove the account co-owner without closing the account. In any other realm of finance, a secondary person can be removed from obligation and access - a quitclaim on a house, a title transfer of a vehicle, etc.

Company response to consumer: Closed with explanation