vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-09-05 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: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-09-05 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: CA

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. Has Violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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 2023-09-05 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IA

Complaint narrative:
XX/XX/XXXX  I was notified via my credit monitoring service that a Collections flag was added to my credit report for {$52.00}, added by CREDIT COLLECTION SERV, for debt purchased from XXXX XXXXXXXX XXXX. 

XX/XX/XXXX  Contacted CREDIT COLLECTION SERV about collection acct. # XXXX not belonging to me. Because MY personal information did not match theirs they would not assist in removing this accusation from my credit report, or provide any additional information about it. Instead required me to send my personal information, ( photo copy of my State ID, AND a copy of my credit report to them either by FAX or postal mail ( either could be intercepted by any number of " bad actors '' and subsequently used in identity theft ). 

XX/XX/XXXX  Contacted XXXX XXXX XXXX ( original creditor of the acct in question ) Who provided the original policy number and the name of the person to whom the debt belongs. XXXX also noted the account ( policy # XXXX ) with our discussion and verified the debt did not belong to me, and stated the collection service call them. 

XX/XX/XXXX  Contacted CREDIT COLLECTION SERV again with the new information obtained from XXXX, and requested they call XXXX to confirm. I was told this would not happen and again instructed to put my personal information in jeopardy by sending it to them. At this point I was getting angry, to me, the impression of their response was to NOT target the actual debt bearer, but to extort ME for MY personal information. At the time I stated, I would be contacting an attorney. 

XX/XX/XXXX  Opened a dispute for the collection through XXXX XX/XX/XXXX  Opened a dispute for the collection through XXXX XX/XX/XXXX  Opened a dispute for the collection through XXXX XX/XX/XXXX  In lieu of contacting an attorney, I'm filing this complaint.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: CA

Complaint narrative:
To whom it may concern, In accordance to the fair credit reporting act my right have been violated 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A Section 2. A consumer reporting agency can not furnish an account without my written consent 15 USC 1666B. a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose I am requesting all late payments to be removed from my credit reports but especially late payment that is on my credit report regarding a late mortgage payment.

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom it may concern, In accordance to the fair credit reporting act my right have been violated 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A Section 2. A consumer reporting agency can not furnish an account without my written consent 15 USC 1666B. a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose I am requesting all late payments to be removed from my credit reports but especially late payment that is on my credit report regarding a late mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: CA

Complaint narrative:
To whom it may concern, In accordance to the fair credit reporting act my right have been violated 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A Section 2. A consumer reporting agency can not furnish an account without my written consent 15 USC 1666B. a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose I am requesting all late payments to be removed from my credit reports but especially late payment that is on my credit report regarding a late mortgage payment.

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently reported fraud on my account and I notified TransUnion, XXXX and XXXX and all of them closed my report without even looking into it, which is absurd. I need all 3 companies to do a full on investigation into this because it is affecting my credit. I would like to know what steps they took to investigate this fraud, how will it be prevented in the future and I will like it mailed to me as well. None of these companies proved these accounts are mine and they are reporting false fraudulent information and if not corrected, will definitely be added in a lawsuit I will be filing against them. I will also send this to the attorney general office just for a back up, cause I don't understand how a fraud case is being ignored.

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 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I HAVE RECEIVED STATEMENTS FOR TWO YEARS UNTILL XX/XX/2023 WHICH I HAD TO LOOK UP ON LINE BECAUSE I HAD NOT RECEIVED A STATEMENT BY XX/XX/2023 AND I CALLED CREDIT CARD COMPANY ON XX/XX/2023 AND TOLD THEM SAME INFO AND I PAID BILL IN FULL, AND AGAIN ASKED THEM TO SEND ME A STATEMENT TO ADDRESS ON FILE AND AGAIN THEY SAID THEY WOULD AND MY ADDRESS WAS AGAIN VARIFIED BY THEM. I ASK FOR PREVIOUS COPIES OF STATEMENTS AND 5 DAYS LATER RECEIVED IN MAIL TO MY ADDRESS. 
AGAIN IN XX/XX/2023 I HAD NOT RECEIVED A STATEMENT AND CALLED AGAIN AND PAID OFF ACCOUNT BALANCE AND CLOSED ACCOUNT AS I AM XXXX XXXX  OF AGE AND PAY MY BILLS BY STATEMENT AND NOT TO FAMILIAR WITH THE COMPUTERS. THERE IS A BALANCE XXXX INTEREST WHICH I WILL NOT PAY. 
CAPITAL ONE SAID THEY MAILED MY STATEMENT 4 TIMES AND SHOW DELIVERED AT XXXX XXXX  OR CLOSE EACH TIME. MY MAIL IS PUT IN A COMMUNITY MAIL BOX AT XXXX OR LATER EACH DAY BY POSTMAN. I CAN SEE MAYBE A POSTMAN MAKING 1 OR 2 MISTAKES BUT 4 ( FOUR ) IS BULL. I THINK THIS IS A SCAM BY CAPITAL ONE TO GET INTEREST FROM PEOPLE THAT PAY ON TIME AND DONT PAY THEM INTEREST. I HAVE A CREDIT SCORE BETWEEN XXXX AND ALWAYS FOR XXXX  YEARS PAID ON TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: VA

Complaint narrative:
Everything on a Consumer Report is supposed to report " to maximum possible accuracy '' 15 USC 1681e ( b ) The FRCA states that " transactions, experiences, authorizations, and approvals of credit '' are not included in your Consumer Report.

15 USC 1681a ( 2 ) ( A ) ( i ) ( B ) XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX {$3500.00} DEPT OF EDXXXX {$770.00} CHILD SUPPORT XXXX VA {$0.00} XXXX XXXX {$2400.00}

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-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 is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-09-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2023 I reported that my card was stolen and that three transactions were made by someone else. The charges were {$630.00}, {$410.00}, and {$61.00} which were done back to back at the same MAcy 's on the same day. The fraud department said they would investigate. I however received a letter with no details on their findings, stating I'm responsible for these charges. I didn't make these charges and am a victim of fraud. In addition, I have been calling this company because they are expecting me to make a minimum payment which is extremely high because of the fraud charges. I am always on hold forever and this issue remains unresolved

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 monetary relief
Consumer complaint received 2023-09-05 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: CA

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. Has Violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of more 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 explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I already have a case with CFPB. It's been over 15 days and I haven't heard anything. Actually it's been well over 2 years since I made the initial claim. Money was stolen from my account and if you look at the name of the person who stole it and you'll see he's since been arrested for fraud. If you look at the transactions my understanding is that he used XXXX XXXX  and paid from an account that is clearly not his both XXXX account and bank account. I have requested a new card and they have not sent that or corrected the issue nor have they communicated with me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: MI

Complaint narrative:
A year and a half ago, I took a {$10000.00} personal loan and when I received the loan funds, they only deposited {$9300.00}!! The paperwork never mentioned a {$700.00} fee. After a year and a half of perfect payment history, I paid off the loan in full. They gave me a larger payoff than necessary and promised to refund the difference immediately. I have been trying to get the {$72.00} refund they owe me since XXXX when I paid the loan in full. 
The last two times i called them, they claim they sent the money to an old bank account of mine on XX/XX/2023. I contacted the bank and they have absolutely no record of any payment being attempted by Upgrade for that amount on or around that date!! 
I have repeatedly asked to have someone in management contact me and they skillfully keep those people from talking to me.!! 
I want the {$72.00} they owe me and now want the {$700.00} they fraudulently stole from me at the beginning of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I received an email stating it was a balance statement regarding my American Express Serve prepaid credit card account. Since I had not opened an account I was curious. I checked out the email and went to Company website ( using separate browser tab, not through links provided ). I located " contact us '' info and called the hotline. 
After navigating the menu lists to reach a real person I related the fact that I had not opened said account. The first lady I talked to located that account using only my name and email address ( both of which were already in the email so I had no problem providing that info ), and sent me to the " fraud protection department ''. Once there the lady there again asked for my email. I provided it again. She then wanted me to provide the last four digits of my social security number and my home address, both of which I refused to give since I was reporting a fraudulent card and had not provided that information to start with. I then asked it she had information on where said card was being used, she said she did but could not answer any questions until I verified my identity. I responded " I didn't open this account so you shouldn't have any of my info anyway, I'm not providing that. '' At which point she hung up on me. Number called was XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas)
State: NV

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation