vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: IL

Complaint narrative:
My Name is XXXX XXXX XXXX and I am a Victim of Identity Theft. I have a XXXX XXXX Hard Inquiry on my Credit File that I did not apply for, approve, nor did I authorize this inquiry to be applied for in my name. Please delete thisi nquiry off of my Credit File. I have two police reports filed and sent to each Credit Bureau showing my 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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: W&A Intermediate Co., LLC
State: AL

Complaint narrative:
The apartment complex aloud us to break our lease, because we had XXXX incidents with our neighbors, and they were throwing XXXX  XXXX at our door, as well as leaving nasty notes.But we would have to pay it if no one moves in. They sent me a letter in the mail saying I owed them money. It was a huge amount and I was thrown off. One of our neighbors we still had communication with said someone moved into our unit a week after we left. So I drove XXXX hours to the state the complex was in. We went by our old apartment, and there was a lady living there. She was kind enough to answer our questions. She had already signed her lease to move in the apartment we were in before we even left. The apartment was notified a month before we were supposed to move. So they had someone ready to move in, and still wanted us to pay. The manager at that time was no help. I have tried to dispute this many of times. But nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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. This collection, by law, MUST be DELETED from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: MS

Complaint narrative:
Company is collecting debt on me but not legally able to collect in Mississippi.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
I was XXXX on XX/XX/XXXX and I was XXXX to XXXX  years in the XXXX XXXX XXXX XXXX XXXX  XXXX. While I was XXXX, my house was robbed and among the stuff that was stolen was my wallet with my bank cards and my cell phone. Upon my XXXX, I checked my bank statements and I noticed several unauthorized charges to my account. I immediately notified my bank and started the dispute process on XX/XX/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  I have provided documentation of my XXXX and my XXXX  paperwork proving that I could not have made these charges and I did not authorize these charges. It has been over XXXX days since I filed the dispute. Every time I call to get an update, they tell me they will escalate my dispute and i will be contacted by someone on the escalation team but no one contacts me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
Account closed and debt was paid- continues to collect interest on interest. This is not in keeping with FDCA

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 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Concerto Card Company
State: FL

Complaint narrative:
XXXX credit card wouldn't provide a way for me to review my statements, purchases, create a login, or contest any fees or interest. After several phone calls, they finally sent statements to me. I agreed verbally to pay the amounts for purchases and the interest on the related statements. They said that they would waive the fees and interest accumulated on the fees once they received payment. I sent the check several months ago. They are now sending a regular statement that only has those fees with compounding interest. I specifically wrote on the check that cashing the check constituted acceptance as final payment. I sent the check, which has been cashed, to their corporate office via priority mail. The card has been closed for about a year. They continue their collections attempts. It's harassment. I never would have accrued those fees or interest had they simply sent me statements. The collections reps were very aggressive and manipulative. They were pressing me to " just pay and make it go away ''. 
I have the bank image of the cancelled check and the usps tracking number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-10 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: ND

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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

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 2024-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Account closed and debt was paid- continues to collect interest on interest. This is not in keeping with FDCA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/2024, I attempted to log into my Experian account using credentials stored in a password manager. Much to my surprise, I was told that they did not work, so I then attempted to reset my password. I was asked for my phone number to receive a text message which would contain a short code needed to progress in setting the password ; however, they say that the phone number is not a match. I entered every single phone number I have ever owned and it rejects every one of them. It then tells me the following : " If you do not know your security question or PIN, you will need to contact customer care to reset your password. '' The phone number provided is ( XXXX ) XXXX. However, it is literally impossible to speak to a human at this number. If you tell the automated agent that you are trying to reset your password, it tells you to do it online. If you ask to speak to an agent, it refuses. 

In summary, this company has somehow corrupted the data on my account, including password and phone number, which I have documented securely on my end in a password XXXX. Furthermore, they have made it literally impossible to get in touch with a human to correct the issue. I need access to my account for the purpose of freezing my credit report, and Experian, in its incompetence, has failed in its duty to provide me a means to freeze my credit 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 explanation
Consumer complaint received 2024-01-10 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: FL

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2024-01-10 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: CA

Complaint narrative:
I asked for verification of accounts on my credit report, and that the method of verification be sent to me I was generated a response saying verified but no information on how the account was verified. I received absolutely no contact billing statement etc regarding this account and ownership. This is a violation of my rights by fcra law

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I asked for verification of accounts on my credit report, and that the method of verification be sent to me I was generated a response saying verified but no information on how the account was verified. I received absolutely no contact billing statement etc regarding this account and ownership. This is a violation of my rights by fcra law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: AL

Complaint narrative:
My information was sold and bought illegally because I was a victim or the Equifax data breach.I want these items Deleted from my credit reports effective immediately.I am attaching proof that Equifax has admitted that I was in fact a victim or this data breach and Equifax has done nothing.Please help me delete these illegal accounts from my credit reports. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: AZ

Complaint narrative:
I moved out of an apartment without giving 60 days notice. I provided 30 days. I did not want to move but the living conditions became unbearable. There was mold. Maintenance never fixed anything. There was a large renovation that took place while living in the unit resulting in more exposure to the mold and changing the living conditions. The debt collectors called me I tried to explain the situation and I was told Im trying to run and not pay my debits, 2 different reps yelled at me degraded me and threatened to garnish me if I dont give them money within 24 hours. This list is so much longer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: GA

Complaint narrative:
There are late payments on my report without my consent or knowledge.

15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LIl / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: CA

Complaint narrative:
I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it from a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
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

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 2024-01-10 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: CA

Complaint narrative:
I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it from a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
Aspire ( credit card company ) informed me in XXXX, 2023 that they had closed my account in XX/XX/2023. I made a payment of {$350.00} and Aspire made a 50 % match payment of {$170.00} in XXXX. Despite my account being closed, Aspire continued to charge me monthly fees, late fees and an annual fee of {$49.00} in XXXX, 2023. They fraudulently charged me {$12.00} in monthly maintenance fees, and {$41.00} in monthly late fees for XXXX months. Aspire also reported those payments as late to the credit agencies. I have called numerous times to tell them they need to report the account as closed as of XXXX, and to stop fraudulently charging my account. They never have a supervisor available. All they offer is another price match, where they will match my payment with a 50 % match payment. Aspire continues to charge late fees and monthly maintenance fees. I will provide the monthly statements that prove the account was closed and they continue to charge fees that no longer apply to a closed account. I am struggling, and Aspire is illegally harming my credit score, making my struggle harder. How is this legal??? How can they continue to charge late fees and maintenance fees on a closed account? How do they get away with charging an annual fee two months after THEY closed the account??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DigniFi
State: NV

Complaint narrative:
I was victim of identity theft back in XXXX. I file reports online and with the police department. At the time I only dealt with credit report from XXXX. After investigation accounts were taken off credit report. I wasnt thinking I had to dispute with all reporting agencies. After requesting credit report from XXXX, some of the accounts were still on XXXX, so I went and got a copy of the police report and sent it to XXXX XXXX to dispute accounts. Matter was investigated, and items were taken off my credit report from XXXX. Dignifi reported account again, and item was reinstated on my credit report. Ive lived in the same residence since XXXX. Ive had my same phone number since XXXX. I have money and I dont need to request a loan for anything. Dignifi cant produce contract I signed or linked with any address, phone number, or anything Ive been associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: MD

Complaint narrative:
I am writing to bring to your attention an urgent matter concerning my credit report. According to the Federal Trade Commission ( FTC ) Report Number : XXXX, I have identified some unauthorized inquiries on my credit report. I did not provide any authorization for these inquiries, and, as such, I am formally requesting their immediate removal from my credit report. 

Details of unauthorized inquiries : 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 I am deeply concerned about the potential negative impact these unauthorized inquiries may have on my credit score and financial standing. As a responsible consumer, I consistently monitor my credit report to ensure its accuracy and security. 

I kindly request Equifax to initiate a thorough investigation into these unauthorized inquiries and promptly remove them from my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) grants consumers the right to dispute inaccurate information on their credit reports, and I am exercising this right in seeking the removal of these unauthorized inquiries. 

I appreciate your prompt attention to this matter and request that you provide written confirmation of the actions taken to resolve this dispute. According to the FCRA, I expect a response within 30 days of receiving this letter. 

FTC Report Number : XXXX

Company response to consumer: Closed with non-monetary relief