vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-14 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: NC

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: MO

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : 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 2024-06-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors' Protection Service, Inc.
State: IL

Complaint narrative:
This Debt collection company has violated my consumer rights.

code 15usc 168 18.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: GA

Complaint narrative:
I received notification from your organization asserting that my personal information was linked to copyright infringement activities. However, after a thorough review of the provided details, I wish to contest the accuracy and validity of this claim.

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 2024-06-14 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: MD

Complaint narrative:
I am filing this complaint personally. After examining my credit report, I noticed entries for late payments. However, more than 30 days ago I sent correspondence regarding these listings, but I have not received a response, and they have failed to provide adequate validation for these supposed late payments. I kindly request your assistance in resolving this issue.

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 2024-06-14 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: MD

Complaint narrative:
I am filing this complaint personally. After examining my credit report, I noticed entries for late payments. However, more than 30 days ago I sent correspondence regarding these listings, but I have not received a response, and they have failed to provide adequate validation for these supposed late payments. I kindly request your assistance in resolving this issue.

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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
XX/XX/XXXX several fraudulent charges appeared on my account. I disputed them, they did not show on my bill and showed as in dispute online. They were removed. They issued a new card #. In XX/XX/XXXX XXXX and Citi security rebilled the XXXX to my new card #. I called and sent in documents disputing the bill. There was nothing online to show that. Then I was getting billed for it. They reported nonpayment to the credit bureau. I disputed that with XXXX but they said the charges are valid. I called Citi and spoke to billing. Not helpful. XXXX person and I finally was transferred to security. A foreign person was on the phone and I could hardly understand her plus the connection was so bad I did not get XXXX of what she said! She was supposed to email a copy of the conversation and I received nothing. Since they reported to the credit bureau my score went from XXXX to XXXX XXXX of XX/XX/XXXX. I had called Citi several times previous to the security call and was told it was still in dispute. I Did NOT make this charge and did not have excellent credit all my life because I don't pay my bills! I am very angry about this and I do not not know what steps to take from here to resolve this.

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 2024-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
There are XXXX issues at play. 


1 ) My card was fraudulently charged in XXXX ( XXXX charges for XXXX rooms for XXXX night 's stay at a XXXX XXXX XXXX ). I opened up a fraud case with Capital One. 

Their rational to keep the charges was that the company " charged the card which served as an authorized charge ''. I did not sign, run the card, etc. And yet they are still charging and counting them as valid charges. 

2 ) I tried to resolve the above with XXXX XXXX XXXX. After he was unable to help, I tried to close my account and I was told it would be closed. It was not closed and it remained opened. Please review call logs. 

3 ) I finally closed my account with another agent a week later XXXX XXXX XXXX. He was able to close my account, but he only asked if I wanted to forgo my Rewards Balance. Not if I wanted it back, it could be mailed, etc. Only if I wanted to forgo it. This is unethical at best, illegal at worst. 

He was able to close my account ( hopefully ). I just got off the call with him. 



p.s. Capital One has since DELETED access to my statements to show you the fraudulent charges from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 non-monetary relief
Consumer complaint received 2024-06-14 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
The presence of a derogatory rating on my account is a significant source of concern for me. I am deeply troubled about its potential adverse impact on my credit. It has already led to 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 XXXX XXXX and XXXX XXXX that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX, USAA sent me a text message notifying me my they suspected possible fraud on my Credit Card and froze it. I would believe them correct and appreciate that they did. I did notice difficulty with downloading transaction transcripts prior to this as well as when I received the notification, a pattern that seems to have developed at other financial institutions. At the time, I did not call them due to a combination of advice of legal counsel, and dealing with an extensive amount of other fraud. I understand that these matters are time sensitive, but given the circumstances which I hope will become evident, it seemed like the best option. In nearly every case, the retailer has confirmed their policies and that I am owed a refund. My complaint, is that I recently noticed my card became unblocked without any contact from me. My ability to download transcripts has also been restored. I've attached documentation of similar issues with other financial institutions that has made me wary of beginning this process with USAA. I've attached documentation detailing the above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: GA

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 explanation
Consumer complaint received 2024-06-14 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: MD

Complaint narrative:
The fraudulent, inaccurate, and misleading information on my credit report persists unresolved despite my numerous attempts to address it. The presence of these items has profoundly impacted my life, causing me significant stress and XXXX. It is crucial to emphasize that I did not authorize or consent to having this information associated with my name, as I have been a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The fraudulent, inaccurate, and misleading information on my credit report persists unresolved despite my numerous attempts to address it. The presence of these items has profoundly impacted my life, causing me significant stress and XXXX. It is crucial to emphasize that I did not authorize or consent to having this information associated with my name, as I have been a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: NY

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
In between XX/XX/2024 and XX/XX/2024 there were several unauthorized transactions made from my debit card from XXXX XXXX XXXX XXXXXXXX, and other companies I have never dealt with. As soon as I learned of these transactions I reported it to my bank on XX/XX/XXXX and was given claim number XXXX. After days of waiting I received a phone call from the bank telling me my claim was denied and no further information was available other than they didnt think it was unauthorized. So I asked that my dispute be escalated and asked that I be sent paper work or some investigation report or something to show me why my claim was denied. XX/XX/XXXX I received an email saying my dispute had been escalated. A couple days later I received a voicemail asking me to call in. When I did I was told that my dispute was denied again. I asked why? After 10 minutes of the representative trying to figure out why, she finally told me that my dispute was denied because my account had been linked through my routing and account number to make these transactions. I asked if this was the only reason and she said yes. I logged in my account while I was on the phone with her and explained to her that these were all debit card transactions. She stated I was wrong. I further explained that every unauthorized transaction says right on the transaction that they were made with card ending in XXXX which was my current debit card so it is impossible that they came from my account being linked to anything. She said she couldnt give me anymore information and to try to contact the companies. My issue is whether the transactions were with my account number or my debit card they were still unauthorized. But the fact that they are blatantly lying to me, telling me they were done with my account numbers when their own records clearly say that they were debit card transactions, just in an effort to deny my claim is unethical. I am submitting screenshots of the emails between them and I, I also am sending screenshots of some of the actual transactions and as u will see the transactions clearly say they were done with 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 2024-06-14 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: FL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: TX

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
XXXX ( XXXX ) years ago on XX/XX/XXXX, I purchased my vehicle financed from GM, but on XX/XX/XXXX only over a month later, I had problem with engine light which was then turned off But no replacement, or repair offered, nor was warranty with regard to Federal Law Madison-Moss warranty Act. From XX/XX/XXXX - XXXX XX/XX/XXXX., I had to continually do repairs Then finally my vehicle broke down from XXXX XX/XX/XXXX. Amid XXXX XXXX pandemic I was given a forbearance, modification Deferred payment plan by GM But in XX/XX/XXXX, it was cancelled without noice, making all payments current again, then sent me a 120 days late notice. I was told to go to XXXX XXXX to pay {$400.00}. On XXXXEven though, my vehicle did not run. So I made the payment. Then the following week XX/XX/XXXX. GM illegally repossessed my nonoperable vehicle. Then they closed then agreed to closed the account on XX/XX/XXXX and again on XX/XX/XXXX. I do not owe GM.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
Same phone number from Keybridge calls XXXX  days/wk. often hangs up partway through call and when voicemails are left refers to a name that isnt mine. Occurs cyclically, have been receiving calls in some form or another since late 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