vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't under any influence of anyone else and this is not a third party. The three major credit bureaus are showing low and inaccurate credit scores and reports for me in their systems. I have complained numerous times for them to fix the situation about fully inaccurate items. The problem has not been resolved by any of them. Before these items were placed I had a XXXX and now they show me at a score like XXXX, that is a major scary difference. Transunion paints me as an untrustworthy consumer from the stuff that they placed. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization on my accounts. I have modest but ok income. Something is wrong with these bureaus. I do not understand why they are abusing consumers .They kept lying telling me they disputed n its not reporting but it kept reporting this inaccurate information without my authorization. They refused or were unable to verify and remove the inquiries and it's been 60days and they record the calls and admitted they had my police report n ftc and affidavit. That was after attempting to contact Transunion more than 21 times. These companies are supposed to be protecting consumers. They need to be corrected and I wish they would listen. they are causing me XXXX  XXXX and stopping me from getting this job offer that I have which is horribly stressful PLEASE HELP im extremely frustrated. 


XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX 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 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I was charged a {$40.00} Late Fee on XX/XX/year>. 

It is my understanding that the maximum late fee is {$8.00} as of XX/XX/year>. 
This information can be found on your website ( CFPB ) here : XXXX XXXX XXXXXXXX I disputed the late fee amount via chat but was told I had to submit a claim via snail mail. Not only is the amount incorrect but they are limiting the claim process by not providing an electronic claim option. It is obviously an anti-consumer-friendly practice to limit the only solution to filing a claim to send a letter through the mail and not provide an email address or online form to submit a claim. 

I want to file two complaints. 
The first is the violation of the {$8.00} maximum amount by charging {$40.00}. 
The second is the anti-consumer-friendly process to file claims against American Express by snail mail only.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/year> - I received an alert of hard inquiry from Experian about a XXXX XXXX XXXX card XX/XX/year> - I contacted Experian to remove the hard inquiry and to place a fraud alert on the report XX/XX/year> - Experian removed the hard inquiry and placed a fraud alert on the report XX/XX/year> - I received an alert of a new account opened under my name from Experian XX/XX/year>- I contacted Experian to dispute the account and was directed to file an FTC fraud report XX/XX/year> - I contacted Experian to dispute the wrong birth date on my credit report XX/XX/year> - I contacted XXXX XXXX XXXXXXXX to inform them of the fraudulent account XX/XX/year> - XXXX XXXX XXXXXXXX was unable to locate an account under my name, social security number, or address XX/XX/year> - I uploaded evidence of birthdate, identity, and address to Experian to correct the incorrect birth date information on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS LOST/STOLEN 2019 AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-06-17 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: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS LOST/STOLEN 2019 AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I was never late on this account. Its clearly a billing error. Ive had this account eight years with no late payments or missed payments except for this one thats posted on my credit report thats an accurate. I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payments from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan. This inaccurate bill and era has called severe hardship to my reputation, my character and my mode of living into my family. I need this late payment deleted.

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 2024-06-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: VT

Complaint narrative:
NETSPEND NOTIFIED ME THAT " THERE was a problem with [ my ] account in about 2022 Since then I have repeatedly tried to get my money OUT OF NETSPEND but they won't close my account, won't send me a replacement c rd, and have had the use of my {$2000.00} AND I NEED THE MONEY! 

I understand the FTC sued NetSpend over t his type of shenanigan. So t his is NOT the first time these crooks have stolen money from U.S. consumers. 

I no longer have my Social Security direct deposited to NetSpend so I DO get myu money from the U.S. Government ( pension ), BUT I WANT WHAT NETSPEND HAS ON DEPOSIT! 

EVERY TIME I EMAOIL THEM THEY SAY THEY WILL " ESCALATE ' THE PROBLEM AND I WILL HEAR BACK PROMPTLY. I NEVER HEAR A THING. 


HELP HELP HELP!!!

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 2024-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Radius Global Solutions LLC
State: IN

Complaint narrative:
This complaint is regarding Radius Global Solutions, a service company contracted by XXXX. 
On XXXX around Noon, I called XXXX about my XXXX credit card as I was not able to obtain a statement or account status through the website, it stated only to Contact Us. 
I called the provided number, XXXX, and the automated system when requesting to speak with an agent transferred my call to a third-party debt collector, Radius Global Solutions XXXX 
An agent XXXX XXXX answered the call and informed me of the pre-charge-off status, full balance over {$13000.00}, and the almost {$4000.00} that was unknowingly due on XXXX. I informed him I lost my job last XXXX and wasn't able to make a {$4000.00} payment. He then hung up on me. I called back and got XXXX again and told him how upset I was handling the call and he transferred me to the XXXX suicide hotline. I'm not able to communicate about my account at all at this time due to this individual.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc.
State: FL

Complaint narrative:
Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XX/XX/XXXXXXXX XXXX, Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
MY PERSONAL INFORMATION WAS LOSS/STOLEN AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-06-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: VA

Complaint narrative:
Complaint Regarding Denial of Credit Application for XXXX  Mercedes Benz XXXX XXXX XXXX XXXX XXXX I am writing to file a complaint regarding the denial of my credit application for a XXXX  Mercedes Benz XXXX XXXX XXXX XXXX XXXX. I believe the denial was based on deceptive practices by the dealer/financial institution. 

On XX/XX/year>, I applied for credit to finance a XXXX Mercedes Benz XXXX XXXX XXXX XXXX XXXX at MERCEDES-BENZ XXXX XXXX. During the application process, I was provided with information that I now believe to be deceptive. Specifically, I was assured that my credit application would be approved based on preliminary checks and the dealer/financial institution 's guidelines. 

However, after completing the application and submitting all required documents, I was informed that my application was denied. This denial came despite prior assurances and information that suggested a high likelihood of approval. 

The information I received included misleading statements about the terms of credit and false assurances regarding the approval process. I have documentation from the dealer/financial institution that supports my claim of deceptive practices. 

The denial of my credit application has caused significant inconvenience and financial planning disruptions. I had made arrangements based on the assumption that my application would be approved, as suggested by the dealer/financial institution. 

I am seeking a thorough investigation into the practices of MERCEDES-BENZ XXXX XXXX and reconsideration of my credit application. I believe that consumers should be protected from such deceptive practices and that appropriate measures should be taken to prevent similar issues in the future. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.

Complaint narrative:
Blockchain.com frozen a XXXX transfer from my platform to my wallet address XXXX on XXXX platform. 
They claimed that for not well specified " funds legalization '' they are forced to block these funds, and to unblock them I had to operate different consecutive transactions to their address XXXX. 
I did as requested but after several transactions were refunded as expected, they halted a transaction of XXXX XXXX XXXX ( XXXXXXXX XXXX ). 
They also claimed that to unfroze all the funds ( approximately XXXXXXXX XXXXs ) I have to operate a " last '' transaction of XXXX in a single solution to their wallet address XXXX. 
Being warned by this very uncommon and suspect conduct, I asked for a guarantee letter by which they have to declare funds release upon last transaction. They send me a fake letter signed by a person that is not in the member board of blockchain.com. They always wrote to me by the following address XXXX. 
I asked for your help! 
Thank you very much for your help Best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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:
I request that the XXXX XXXX XXXXXXXX credit card account be deleted, due to the rights I have as a consumer, since this account is affecting my personal 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 2024-06-17 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX is on my credit twice for the sane day XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX these companies has pulled an hard inquiry that i did not obtain, please remove from my credit report. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
My XXXX XXXX and I are beneficiaries of the XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , which has a situs in Georgia. Bank of America is the trustee. I received distributions in the past but have not for several years. Based on my understanding, my son is currently entitled to distributions. We are both beneficiaries under Georgia 's definition of beneficiary, as outlined in OCGA 53-12-2, and are entitled to information under OCGA 53-12-243.

I have made multiple requests to obtain a copy of the trust document and an accounting of the trust. Below is a summary of my attempts : XXXX. XX/XX/2024 : I made an initial request via a phone call with an admin who indicated she would send the information by mail. I did not receive anything. 

XXXX. XX/XX/2024 : I contacted the same person who informed me that in response to my request, the trustee had removed me from the account. I also spoke with the trustee that day, who confirmed she would follow up via email. She did not. 

XXXX. XX/XX/2024 : I reached out again via telephone to escalate my request. The person I spoke with promised to follow up with me by the end of the day. She did not. 

The lack of response and failure to provide the requested documents have caused significant frustration and concern regarding the management of the trust. I am seeking assistance to ensure that Bank of America fulfills its fiduciary duties and provides the requested documents promptly.

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 2024-06-17 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: NC

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I discovered a fraudulent collection account listed on my Experian, XXXX, and XXXX reports, as well as on XXXX. This misinformation is significantly impacting my credit score, hindering my job prospects, and impeding my ability to secure a car loan. I urgently require immediate resolution of this matter. Removal of collection and correction of balances, removal of 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 2024-06-17 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: NY

Complaint narrative:
XXXX XX/XX/XXXX XXXX XXXXl XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX is on my credit twice for the sane day XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX these companies has pulled an hard inquiry that i did not obtain, please remove from my credit report. thank you

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Reel Time Capital LLC
State: AL

Complaint narrative:
I have repeatedly requested them to supply all the information they had that links them to this specific debt and they have refused.

Company response to consumer: Closed with explanation