vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have never had service with XXXX XXXX. This same account held by XXXX XXXX, was disputed via CFPB and LEGALLY removed ( XX/XX/XXXX ), but XXXX is violating the FCRA by using a new collection agency ( XXXX XXXX XXXX ) for same account. ILLEGAL. REMOVE. Last year XXXX  gave Trans Union the wrong name and address and instead of removing the false entry TU GAVE XXXX MY name and address and then updated the entry with MY details. I had to file a complaint with CFPB before Transunion removed it. When XXXX showed up on my credit report in XX/XX/XXXX It was for the SAME XXXX account that was disputed and removed previously but through a different collection agent. Now, XXXX  is using XXXX XXXX XXXX collection. I disputed this again off of XXXX, XXXX and Transunion. Guess what? Trans Union is STILL the ONLY credit bureau that left this on my report. They repeatedly refuse to remove inaccurate accounts. Again, I have never had service with XXXX XXXX and need them ( XXXX and TU ) to stop putting this same account on my report but using different agencies after it has been legally REMOVED.

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 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ONLINE Information Services, Inc.
State: OK

Complaint narrative:
ONLINE INFORMATION SERVICES junk debt buyers have purchased a debt that is untenable and discharged under federal law. ONLINE INFORMATION SERVICES is not a creditor and is in direct violation of the Bankruptcy Act, as codified under USC Title 11 et seq. ONLINE INFORMATION SERVICES is also in direct violation of 15 USC 1681b ( impermissible credit pull ) whereas the damaged party shall find restitution under 15 USC 1681n. The above mentioned junk debt buyers had a duty of care of making sure not the violate any consumer rights with respect to the consumer, having failed to do so. Govern Yourselves Accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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 have submitted all required documentation and urge for a comprehensive examination of this issue. The unauthorized inquiries are greatly concerning to me, and I seek a prompt resolution.

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 2024-02-22 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: GA

Complaint narrative:
I have submitted all required documentation and urge for a comprehensive examination of this issue. The unauthorized inquiries are greatly concerning to me, and I seek a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XX/XX/2024 I requested a credit increased and was denied for the account being too new. 

Credit bureau information is missing or unavailable.

Your Capital One account is too new.

We were unable to obtain your most recent monthly payment data from the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: TX

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Airtm Inc.
State: PA

Complaint narrative:
Today, on XX/XX/XXXX, I received a payment of {$35.00} to my AirTM digital wallet. This was flagged as suspicious activity, and my account has been frozen. They will not allow me to receive my money without a state issued ID, which I do not have and can not afford. When I reached out to AirTM for support, they continue to ask me for ID without recognition of my circumstances. It can not be legal for them to withhold my money for this reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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:
According to 605B, this account should be removed promptly. I'm angry about it being on my credit record, and it's not even my account. Its presence has upset me, and I feel unwell because of this situation.

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 2024-02-22 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:
According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation. I want it gone, and my credit report corrected.

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 2024-02-22 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX I noticed a fraudulent charge of {$7400.00} on my credit card statement. I immediately notified Citibank and was told that I would not be responsible for the charge. I called a second time that day when I did not see an immediate reversal on my account. I was again told I would not be responsible. 

In XXXX, Citibank automatically renewed my card membership. 

XXXX XXXX I noticed the same charge on my account with the same amount from the same vendor. I went to a local Citibank branch and spoke with the manager. I was told to contact the fraud department again after reporting the unauthorized charge a third time. I again spoke with the fraud department and let them know that this charge was fraudulent and not authorized ( for the fourth time ). I was told that the vendor had not been paid and I was not responsible for the charge. I was told I would not see the charge on my statement again. 

I did not see any sort of reversal despite numerous reports to Citibank, so I immediately contacted an attorney, who sent a letter to Citibank on XX/XX/XXXX demanding the information I inquired regarding the charge. Citibank did not respond to the attorney. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: FL

Complaint narrative:
XXXX This is was my last complaint ID Since XXXX XXXX XXXX doesnt take responsibility for their bankers and doesnt want to remove the accurate report I will try to explain again what happened with XXXX XXXX XXXX 
In XXXX I opened credit card with XXXX XXXX XXXXXXXX, it was my first credit card in my life. I knew that I will have to use it to build my credit score. One time I overpaid and it was showing in my balance {$20.00}! I went to the bank XXXX XXXX XXXX, XXXX, FL XXXX, United States and asked banker if I have to pay to the bank or I overpaid? Banker said I overpaid {$20.00} and I dont have to do anything. In 2 months from that I received a letter from bank that my credit limit was cut on half from {$1000.00} to {$500.00} and my credit score dropped from XXXX to XXXX!! I went to the bank and spoke to manager, she said she will send a paper to Transunion with explanation that it was only the banker fault to provide me incorrect information regarding my credit card balance! I did many disputes with Transunion, I received a letter from Transunion that I won dispute, nothing changed on my score! 
How can I be responsible for the XXXX XXXX XXXX unprofessional workers!? The bank dropped my score for XXXX points down! I wish I knew the name of banker so I could search for legal help in my case. Bank can see my statements with money I keep on my accounts and it wouldnt be any problem for me to pay {$20.00} if I had a correct information from banker! I am trying to contact and do disputes to tons of companies and seems like nobody taking responsibility for the employees! Banker fault is highly affect my life with my credit score XXXX! Please contact the bank address I sent you, they should have sent a report to Transunion where they confirm that it was mistake by banker provided me wrong information. Why am I the only injured party? You know that its impossible to build up again my credit score to XXXX from XXXX. 
Please take an action. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My phone was stolen XX/XX/year>. As a result there have been transactions made of over {$800.00}, to a gambling online website. XXXX XXXX XXXX  Which I did not authorize. I never received a message from my bank either after the first couple of deposits asking if the deposits being made were legitimate. I bank with TD bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My credit card application with Synchrony Bank ( Website : XXXX XXXX XXXX  ) was denied with no explanation. Called Synchrony and the first rep said it was denied because I also had a credit card application pending with Synchronicity for a different retailer ( XXXX XXXX ), and they could help fix that if I went back to the store and had them re-input the application. 

Went to Lowe 's store and they re-input the application- which wad denied again by Synchronicity, no explanation. 

Called Synchrony again and spoke to supervisor, who could not explain why it was denied. I explained to the supervisor that have perfect credit - XXXX XXXXXXXX, own my home, virtually no debt at all, never bankrupt or defaulted on a loan, never made a late payment, net worth close to {>= $1,000,000} - and asked what to do. She said there's nothing that can be done. I asked if it was because of the XXXX XXXX application, which is still pending, and she said again that she didn't know why it was denied and could not help. - the supervisor claimed the system auto-denied my application for unknown reasons.

So, Synchrony Bank : 1. Improperly denied credit, apparently due to their error. ( application for different retailer pending ) 2. Provided incorrect, intentionally false, and conflicting information to me about the denial and how it could be remedied.

3. Has no complaint process, no appeal process, no remedy for credit denials. 
4. Incorrectly told me to re-apply 4 times, resulting in 4 more credit denials and possible damage to my PERFECT 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 explanation
Consumer complaint received 2024-02-22 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Payment history is transaction history, which per 15 USC 1681a ( 2 ) speaks on exclusions from the consumer report. It states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This is a violation of my consumer rights! Per USC 1681b speaks on permissible purposes of the consumer report. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I, THE CONSUMER, MUST GIVE WRITTEN CONSENT TO ADD ANYTHING TO MY CONSUMER REPORT WHICH I DID NOT GIVE ANY CONSENT TO FURNISH ANYTHING ON MY REPORT, WHICH MEAN THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT. According to the Privacy Act of 1974 the term " record '' means any item, collection, or grouping of information about an individual that is maintained by an agency, including but not limited to his EDUCATION, FINANCIAL TRANSACTIONS, MEDICAL HISTORY, AND CRIMINAL OR EMPLOYMENT HISTORY AND THAT CONTAINS HIS NAME, OR IDENTIFYING NUMBER, SYMBOL, OR OTHER INDENTIFYING PARTICULAR ASSIGNED TO THE INDIVIDUAL. Section B talks about Conditions of Disclosure which again I THE CONSUMER MUST GIVE WRITTEN CONSENT. Furthermore, per the IRS Publication a charge off is considered a certificate of indebtness which makes it income. INCOME CAN NOT BE FURNISHED ON A CONSUMER REPORT AND MUST BE DELETED. The failure to correct these inaccuracies have caused significant emotional and financial harm, affecting my ability to obtain credit and secure favorable interest rates.

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 2024-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management is destroying my credit for accounts with wrong information. XXXX, is also destroying my credit over fees they attempted to charge me after I closed my account ( which I closed for hidden fees that were charged from me that werent a part of our contract ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
This is company is reporting my information and i do not have any contract with this company or sign any paper work with wet ink. I ask for validation and nothing was presented. This company is not respecting consumer laws. so below I am letting you know that your company have been very intrusive, YOUR COMPANY IS ON MY REPORT WITHOUT ANY PERMISSION ESPECIALLY WITHOUT A CONTRACT AND WET INK SIGNATURE, BY LAW YOUR NOT SUPPOSE TO REPORT ILLEGAL AND FRAUDULENT INFORMATION. THIS ACCOUNT IS NOT VALIDATED OR VERIFIABLE. REMOVE AND AND DELETE ALL INFORMATION WITH MY NAME/SSN # /BIRTHDAY YOU DO NOT HAVE MY CONSENT TO HAVE OR USED MY INFORMATION. I AM THE ORIGINAL CREDITOR ONLY I CAN VALIDATE THIS ALLEGED DEBT. 


Your company Violated all FDCPA/FCRA, FEDERAL and STATE Laws : 15 U.S. Code 1692e - False or misleading representations, 15 U.S. Code 1692f - Unfair practices, 15 U.S. Code 1692g - Validation of debts ( a ) ( 1-5 ) ( b ). 15 U.S. Code 1692j - Furnishing certain deceptive forms.

15 U.S. Code 1692c - Communication in connection with debt collection.

18 U.S. Code 1341 - Frauds and swindles 15 U.S. Code 1692h - Multiple debts 15 U.S. Code 1692j - Furnishing certain deceptive forms Rule 1002. Requirement of the Original Cease and desist validation of debt All collection activity must stop. Stop reporting to the reporting agencies.

Stop communicating.

Stop reporting My personal information. I did not give or ask your company to report my personal information.

Stop debt activity immediately.

15 usc 1692c, I didnt give your company the direct instruction to report this account or others to the agencies.

I refuse to pay a debt that I do not owe. Respectfully DETACHED all information to delete this account from all three credit profiles immediately. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: OR

Complaint narrative:
I was nearly XXXX  in a car accident caused by an XXXX driver  who made an illegal turn, while onXXXX the clock & t-boned us into a pole. I was XXXX XXXX XXXX for almost a XXXX  after the XXXX  unit for a XXXX. Im waiting for my XXXX  XXXX, Im still recovering over XXXX yrs later. 
Westlake has had no empathy or compassion for my circumstances. 
XXXX XXXX XXXX insurance cut Westlake a check but it wasnt enough for Westlake, I bought gap coverage from Westlake that was supposed to cover the difference. My lawyer tried to contact Westlake to make sure it was taken care of and even with proof of representation they wouldnt speak to him, so he assumed it was taken care of they refused to deal with the person who payed everything when my settlement came in.
They just took the balance and threw it on my credit report as not paid, being late XXXX XXXX & XXXX  days. Now being XXXX as a bad debt which is a complete lie. 
Its not my fault that they refused to speak to my lawyer who dealt with everything when I was unable. 
My list of injuries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc etc etc etc.. I was in no position to deal with bills & Im still not.

I was unable to return to my career that accident ended my XXXX yr career. 
Ive disputed this information repeatedly and they just keep throwing it back onto my credit report, Ive included the check from XXXX XXXX and the gap information from XXXX that is supposed to cover the balance if the insurance didnt. Ive also included the email from my lawyer stating that he has tried to contact Westlake but they refused to talk to him. Everything is always ignored and the bad report is never changed. 
I went to XXXX XXXX  and wrote a review to find out that Westlake definitely has predatory loan behaviors and has consumers begging others to not get loans through Westlake.

Ive also filed a complaint with the XXXX, Westlakes response was that even with the gap the car wasnt paid off but thats what the gap was for to cover what the insurance doesnt. XXXX XXXX paid over {$11000.00} the car only had around {$15000.00} so the gap couldnt cover around XXXX XXXX Isnt that what its for? If there was a balance still owed they refused to speak to my lawyer who was in charge of the payouts from my settlement, how is that my fault?

Theyre claiming I still owe over {$1800.00}, which I dont.

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 2024-02-22 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation