vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-19 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:
In the origianl dispute-complaint submitted : ID XXXX, TransUnion was informed it XXXX breaking the law by not taking action based on a phone conversation I had with XXXX people on their team. According to TransUnion reps, it was my responsibility to conduct my own investigation regarding the removall of possible fraudulent inquiries, and therefore no investigation would be opened by TransUnion, as hard inquiries are a [ matter of record ]. I next submitted the above complaint ( ID ) and opened a complaint-dispute via the CFPB portal , believing that it would force TransUnion to take expedient actionto open a proper and diligent investigation or expediently remove the listed inquiries in the attached document. Not only did TU not take action, it literally has set on the dispuet since it was filed on XX/XX/year> - that would be 18 days ago. 

I spoke to TU again yesterday, ensisting they get off the dime, and resolve my dispuet immediately. Different than my original call, the gentleman I spoke with yesterday ( XXXX ) was transparant, ultimately informing me that to have the associated hard inquiries removed, what I needed was valid documentation. In other words, filing a dispute-complaint via the CFPB portal with an attached letter was not sufficient. He made it quite clear that I needed to file a fraud-identity theft complaint via the FTC, and that would be considered acceptable evidence. Thus herein is the attached report, along with the original letter I filed listing the hard inquiries not authorized, so they can be expediently removed, and TU would be forced to perform its lawful duty, because the FTC will hold them responsible for sitting on my request for up to 30 days, doing nothing to resolve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: AL

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: OH

Complaint narrative:
I looked at my report back on XX/XX/2024, and I noticed some things are incomplete or not accurate. According to the fair credit report act, when ever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the repost relates. These accounts [ XXXX XXXX, XXXX ] and [ XXXX XXXX XXXX, XXXX ] are not complete and accurate. 

[ XXXX XXXX, XXXX ] open date is not reporting correctly, the balance, date last active, and date of last payment is not correct, this account is not accurate. 

[ XXXX XXXX XXXX, XXXX ] open date is not reporting correctly, the balance, date last active, and date of last payment is not correct, this account is not accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I paid my entire balance as I do every month on XXXX. On XX/XX/XXXX I checked my account and although the correct amount was posted, it is not yet available. I called the company and they said it takes 14 days to become available. This is the third time theyve done this and they say its random. But, how could it happene to me three consecutive months? 
Then I received a paper bill today ( XX/XX/XXXX ), it shows the payment and shows it is available, which is a lie. I called again and they told me it would be XX/XX/XXXX before it is available. 
Seems like they are playing the float with my money. Is this legal, do I have any recourse?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
There calling me repeatedly saying I need to make a payment. Last date contacted XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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: NC

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I AM CLAIMING THIS INSTRUMENT AND REFUTING OBLIGATIONS OF THIS PRESENTMENT FROM Bank of America UNDER UCC 3-306. I AM ACTING IN PROTEST OF THE STATEMENTS PROVIDED BY THIS INSTRUMENT AND REVOKING MY ABILITY TO PAY THIS PRESENTMENT UNDER UCC 3-302. I AM REFUSING TO TENDER PAYMENT ON THIS NEGOTIABLE INSTRUMENT UNDER UCC 3-603. ALL PRESENTMENT NOTES ARE EXCUSED AND DISHONORED UNDER THIS STATUTE, UCC 3-504. AND BECAUSE ALL FUTURE, PAST, PRESENT DEBTS ARE PREPAID UNDER HJR 192 OF 1933, 31 U.S. Code 3123, AND 18 U.S. Code 8, AND ARE OBLIGATIONS BY THE FEDERAL CORPORATION OF THE UNITED STATES OF AMERICA ; I AM EXERCISING MY RIGHT TO REQUEST A FULL AND IMMEDIATE DISCHARGE OF THIS PRESENTMENT UNDER UCC 3-601, 3-603, 3-604. I EXPECT Bank of America ACT IN AN OBLIGATION OF GOOD FAITH FOR THESE COMMERCIAL CODE REQUESTS UNDER UCC 1-304. BANK OF AMERICA TRAVEL REWARDS VISA SIGNATURE CARD 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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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: OH

Complaint narrative:
I have account that are not accurate and possibly fraudulent as to I have never done any business with the following companies : XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I have requested documentations and proof of claims from all of the above companieswhich I have no records of ever doing any business or establishing any contracts for business with the above Third Party collections agencies. Pleasedelete the account at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: OH

Complaint narrative:
I have account that are not accurate and possibly fraudulent as to I have never done any business with the following companies : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX. I have requested documentations and proof of claims from all of the above companieswhich I have no records of ever doing any business or establishing any contracts for business with the above Third Party collections agencies. Pleasedelete the account at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: IA

Complaint narrative:
I am writing to express my concerns regarding the handling of my recent dispute case. I filed a dispute for unauthorized charges and two XXXX XXXX payments that I did not authorize. Initially, I was relieved to receive a provisional credit ; however, my relief was short-lived. 

Within a day of filing, the app displayed a 'denied ' status for XXXX transactions, which contradicted the information provided by your representatives who assured me the case was still open and under investigation. This discrepancy is alarming and suggests a premature decision-making process that could not have possibly involved a thorough investigation. 

Moreover, despite providing additional information and the name of the arrested suspect to aid the investigation, I have not seen any action taken to re-open the case or re-issue the provisional credit as per Regulation E requirements. The lack of communication and failure to provide an explanation for the denial of the dispute or the evidence used in making that decision is unacceptable. 

I assert that I have no knowledge of or connection to a XXXX XXXX XXXX ' to whom the disputed transactions were sent. It is my belief that these unauthorized transfers were made by an individual who was temporarily staying at my residence and had access to my phone without my consent. 

I urge CHIME to conduct a thorough investigation into these transactions and provide me with a comprehensive report. It is critical that this matter is addressed promptly and transparently to restore my confidence in your services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: NY

Complaint narrative:
To Whom It May Concern : I want to emphasize the importance of accurate credit reporting, not only for my personal financial well-being but also for the integrity of the credit reporting system. It is imperative that credit reporting agencies like yours fulfill their obligations under the FCRA to ensure fair and transparent practices. The FCRA was put into place to protect consumer like myself, and other privacy and you will uphold the law!!! Or you will be liable to pay me {$1000.00} pursuant to 15 USC 1681n civil liability for non compliances.

For months, I have attempted to navigate the labyrinth of your dispute resolution process, hoping against hope for a resolution that never seems to materialize. Instead of finding solutions, I've encountered roadblocks, delays, and an overwhelming sense of frustration at every turn. It's disheartening to see how little regard your agency seems to have for the significant impact these errors can have on individuals like myself Pursuant to 15 USC 1681n Civil Liability for non complaint, due to several attempt, I have suffered financial damages and as a result your company owe me {$1000.00} plus my attorny fees which will be associated with me taking legal action. I am hoping you understand that my next option is this. Im hoping you understand I have kept a close record of all response from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: MI

Complaint narrative:
Someone has used my information to make fake ids and other forms of identification to impersonate me and fraudulently acquire a vehicle through XXXX. I have no knowledge of, nor have i ever conducted any business with XXXX, and I have never resided at the address listed on the fraudulent agreement.It is possible that this resulted from a data breach which allowed the person to access some of my personal information without my consent.Being falsely associated with fraudulent activity and defaulted payments on a vehicle i did not acquire has damaged my reputation both personally and professionally .It has caused significant emotional distress and affected my ability to secure loans and other financial products.Under the Truth in lending act ( TILA ) and FCRA I am protected against unauthorized use of my credit information. These laws mandate credit reporting agencies investigate and correct any inaccuracies and unauthorized entries due to 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 non-monetary relief
Consumer complaint received 2024-07-19 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: NC

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FB FINANCIAL CORPORATION
State: TX

Complaint narrative:
First Bank XXXX transfered the loan to First Bank, Serviced by XXXX. I received a letter dated XX/XX/year> stating the change and that nothing would change on my side. 
I had made my XX/XX/XXXX payment like I always do thru my bank portal, which sends and electronic payment to the servicer. The electronic payment went out XX/XX/year> and was debited on my account XX/XX/year>. I received a letter stating they hadn't received my payment and I didn't see it until XX/XX/year> as I travel alot. I called XXXX on XX/XX/year> and sent proof of payment, which I had to contact my bank, they sent me a picture ( jpg. file ) of electronic transfer and showed all the information. On XX/XX/year>, I called XXXX and asked him about an update as my next payment was due that day and I didn't want to do it via my bank portal as they would probably lose it again. He told me no update as they were still researching. I made XXXX 's payment to him over the phone via phone payment. I gave it a few days and called back XX/XX/year> to XXXX XXXX, still same thing, no word on the research. Later that day, I received notice from XXXX XXXX that my credit score had dropped. To my AMAZEMENT, IT DROPPED OVER XXXX POINTS DUE TO THIS SCREWUP. THIS IS NOW AFFECTING ME FINANCIALLY. I called back and told them this was affecting me and he stated after the research, it would be 30 days or XXXX when they could upload new credit information. I told them this was unacceptable!! My credit score went from XXXX to XXXX just like that. I can't sleep at night knowing this is so low. I called XXXX today, XX/XX/year> and she's now asking for a bank statement showiing proof. I emailed it today. I will call them back Tuesday again on XX/XX/year>. This is slander to my financial well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: NC

Complaint narrative:
Commencing on or around XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: Possible Financial Inc
State: AL

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Somebody opened a fraudulent Citi Home Depot credit card in my name. I have called several times to request the account be closed immediately. Citi assured me that they have closed the account, but I continue to get monthly statements saying my account is past due. It seems there is no way to get Citi to finally CLOSE the account. I have never had a Citi Home Depot credit card, and did not apply for one. Whoever did this accumulated more than {$1500.00} in charges, and the bills are addressed to me with my name and home address. This will ruin my credit rating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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: FL

Complaint narrative:
The thing is, these accounts do not belong to me. I dispute these accounts. I have never seen them in my reports before

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