vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
My identity was stolen to open XXXX  power utility accounts in Texas. All from which are different addresses and the accounts were not open longer than 3 months. I have never lived in Texas and can prove that I have lived in my current address in NJ for 5 years. 

Transworld Systems INC has opened XXXX separate collections accounts with " XXXX XXXX ''. I contacted XXXX XXXX and they could not send me specific account information for the fraudulent accounts. They also were not able to locate all of the identity theft accounts listed in my credit report. They were only able to locate XXXX of the XXXX accounts. See below... 

XXXX ) Account name TRANSWORLD SYSTEM INC/ Original creditor XXXX XXXX Company sold - Account type Collection Date opened XX/XX/2023 Status Collection account. {$320.00} XXXX ) Account name TRANSWORLD SYSTEM INC/ Original creditor XXXX XXXX - Account type Collection Date opened XX/XX/2023 Status Collection account. {$730.00} XXXX ) Account name TRANSWORLD SYSTEM INC/ Original creditor XXXX XXXX XXXX XXXX - Account type Collection Date opened XX/XX/2023 Status Collection account. {$530.00} XXXX ) TRANSWORLD SYSTEM INC/ Original creditor XXXX XXXX XXXX XXXX - Account type Collection Date opened XX/XX/2023 Status Collection account. {$990.00} XXXX ) TRANSWORLD SYSTEM INC/ Original creditor XXXX XXXX  - Account type Collection Date opened XX/XX/2023 Status Collection account. {$330.00} All of the above accounts were open between XXXX and XX/XX/2023. Each fraudulent account is associated with a different address in Texas.These collection accounts are not mine. This is identity theft. 

Transworld System Inc also opened a XXXX power utility collections account in XXXX. Information below. 

Account name XXXXRANSWORLD SYSTEM INC/ Original creditor XXXX XXXX XXXX XXXX - Account type Collection Date opened XX/XX/2023 Status Collection account. {$180.00} Lastly, there was another power utility identity theft fraud account opened in my name in XXXX by XXXX XXXX XXXX. This account was also opened in Texas. See below for details. 

Account name XXXX XXXX XXXX IN Original creditor XXXX XXXX XXXX XXXX  Company sold - Account type Collection Date opened XX/XX/2023 Status Collection account. {$840.00} I called each power utility and they informed me that in Texas, you do not need any identification to open a utility account. You can simply provide someon'w social and you can start service. I also asked if they could flag my name and social to prevent someone else from using my private information to start a new account. They said no. This is ridiculous. These companies should not be able to operate if they can not protect everyone 's information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX XX/XX/XXXX XXXX RE : Follow up Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report your bureau maintains on XX/XX/XXXX. I received a response stating that the account ( XXXX ) were verified on XX/XX/XXXX. 

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

These accounts I am demanding your PROOF, you legally HAVE to provide to me. 

XXXX. XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX ( XXXX ) XXXX. XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX ( have told y'all over and over again I have never heard from this company and neither you nor them have sent me proof of account and I am about to file a police report and report it and report it to the FTC ) XXXX. XXXX XXXX XXXX ( Again, absolutely no knowledge of this account and no one has provided me any proof. I have even written this company and have not received a response from them. I will be reporting them and yall as well if not removed. ) XXXX. XXXX, account XXXX, ( XX/XX/XXXX ) Per the FCRA you are required to provide this information to me within 15 days or you are to delete the negative items from my credit report. 
You have failed to provide any validation to me. 


Best Regards, XXXX XXXX I have attached my payment history from XXXX card. My XXXX  card was not late, and if it was late for those 2 months then why is not reported late for the other months. It needs to be updated and fixed.

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 2024-01-03 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: Experian Information Solutions Inc.
State: TX

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 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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Transunion is reporting XXXX current XXXX  warrants that are XXXX and have been resolved over 2 months ago. Additionally, they are reporting a XXXX  in XXXX Ca court has been paid back in 2020 and I have the receipt. The court said what they are reporting does not reflect their system, at all. They also are reporting an address in Connecticut that I never lived at. They have not updated my credit profile as well after several requests and are reporting to agencies that I do not have enough credit to register a score and report me as XXXX XXXX XXXX and are informing agencies my profile is BAD as an evaluation.

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 2024-01-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received multiple AMEX gift cards from my family member. I can't use these cards anywhere. 
These virtual cards are declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXX XXXX  - no one will take these cards. 
I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). 
They can not transfer my balances for my XXXX unusable virtual cards to a physical card. They can not offer me a refund. 
They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 
This system seems designed to XXXX  a XXXX XXXX from American consumers. They hold our XXXX  XXXX  XXXX and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I paid {$500.00} for a deposit for XXXX XXXX XXXX and the rental vehicle I had was XXXX  so I returned the vehicle on XX/XX/XXXX at which time XXXX stated it would take up to XXXX to XXXX weeks for the refund to be processed. I was then told by XXXX I could process a chargeback with my bank in which I did on XX/XX/XXXX. On XX/XX/XXXX XXXX processed the return of the funds to Chime, and it has been over the XXXX that Chime was given under Regulation E with no provional credit given if they needed more time to investigate. It is now XX/XX/XXXX and no resolution has been provided, and yet the funds have been returned to Chime. They make zero effort to resolve the issue and instead used canned responses which say the same thing. They claim they folllow procedures under Regulation E ; however as mentioned above Regulation E states that if an investigation takes more than 10-days a provional credit must be issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: TX

Complaint narrative:
It is illegal to post transaction history on a 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 2024-01-03 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: CT

Complaint narrative:
I just reviewed my credit reports and it shows inaccurate and unauthorized account.

Please see the copy of my dispute letters that were already se

nt to the involved Bureaus. I have not received any responses yet

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
XXXX XX/XX/2023, while reconciling my checking account, I noticed the company Affirm had been deducting {$22.00} from my checking account for several months. I telephoned to company to inquire why. The representative I spoke with stated I made a purchase with XXXX that required an 18 month payment schedule. I stated to the rep I made no such purchase and ask the rep to provide me with an invoice or something to prove I made this purchase, nor have I received any billing statements from Affirm. The representative stated he could not provide any documentation. I contacted my bank to file a dispute and to stop these charges from being deducted from my account. Affirm is now calling me relentlessly and emailing threatening collection action along with reporting the debt to credit bureaus. I have spoken with representatives on several occasions asking them to proved me with an invoice. They all say they are unable to do so. This, apparently, is identity theft Affirm is unwilling to recognize and want to hold me responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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 just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. 

Please see the copy of my dispute letters attached on this complaint The said inquiries are still showing on my credit report and it seems Bureau is ignoring my concern

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 2024-01-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. 

Please see the copy of my dispute letters attached on this complaint The said inquiries are still showing on my credit report and it seems Bureau is ignoring my concern

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 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2024-01-03 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:
am writing to dispute a fraudulent ( charge or debit ) on my account in the amount of $ -_____ $ XXXX. I am a victim of identity theft, and I did not make this ( charge or debit ). I am requesting that the ( charge be removed or the debit reinstated ), that any finance and other charges related to the fraudulent amount be credited to my account and that I receive a corrected statement. 
Enclosed are copies of ( use this sentence to describe any enclosed information, such as a police report or Identity Theft Affidavit ) supporting my position. Please investigate this matter and correct the fraudulent ( charge or debit ) as soon as possible. 
In addition, pursuant to FACTA, as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to the fraudulent account ( s ). The copies of the records can be ( mailed to me at the address listed below or faxed to the number listed below ). In addition, please make these records available to the XXXX Police Department upon their request. 
Sincerely, Your Name Enclosures : ( List what you are enclosing ).

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 2024-01-03 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: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Thank you for assisting me in this matter. I would have chosen not to write this complaint and got the CFPB involved if I had other options, but unfortunately here we are. 
My issue stems with Carrington Mortgage for 2 separate accounts : XXXX ( balance {$260000.00} ) XXXX ( balance {$100000.00} ) I went online in XXXX of 2023 to make a payment for both of these accounts and there system was down to site maintenance. I called in the following Monday where a support representative alerted me of site maintenance and I made my payment. Unbeknownst to me, I ended up receiving a late payment with Carrington for XXXX of 2023 for both accounts. This has had a significantly negative affect on my Credit Score and prevented me from doing much as I am no shackled. Normally I am not one to complain, however, this is unjust and inaccurate. According to the FCRA and FCBA, this information should be corrected and removed from my report. 
I have attempted to dispute these late payments several time to no real avail : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 and XX/XX/2023 I decided to be more proactive and attempt to give them the benefit of the doubt and called Carrington Mortgage on XX/XX/2023. I alerted them that I had disputed the late payments on my credit report form them because they are inaccurate due to their site being down for maintenance. The support representative agreed that that was the case and made notes in my file and stated that they would correct it. I asked if I should dispute the late payments with the Credit bureaus again and they stated it wasn't necessary but I could if I wanted to. 

We are not 3 months past this conversation, several attempts at rectifying this with the bureaus and my Credit still being affected by their blatant mistake. This has caused extreme mental anguish as I am not capable at borrowing at the rates I deserve, rather what Carrington 's error states I deserve. 

I wanted to shine a light on these practices hoping that I can get these late payments removed because the error is not on me, yet on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by Experian. I submitted a complaint to Experian regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, Experian is legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from Experian. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that Experian address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-01-03 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Equifax is in violation of the Gramm-Leach-Bliley Act ( GLBA ) and its provisions regarding Non-Personal Information ( NPI ). Per the GLBA, NPI XXXX XXXX violated ( GLBA ) and ( NPI ) by sharing my non-public Personal and Financial information to Equifax without being authorized by me by not signing a opt out disclosure and Equifax violated by sharing and selling my non-public Personal and Financial Information for marketing & monetary purposes, The Gramm-Leach-Bliley and Non-public Information ( NPI ) violation includes any information provided by an individual to obtain a financial product or service, such as name, address, income, Social Security number, or other application-related details. Financial institutions are required to provide an initial notice to customers at the establishment of the relationship and an annual notice thereafter. It has come to my attention that the charge-off on my credit report is inconsistent with the GLBA 's requirements, as I have not received the necessary notices and information regarding the handling of my NPI. Specifically, I have not been provided with an initial notice at the establishment of the customer relationship or an annual notice thereafter, as mandated by the GLBA Moreover, if my NPI has been shared with nonaffiliated third parties, I have not been given the requisite opt-out notice, a reasonable way to opt out, and a reasonable amount of time to exercise my right to opt out before any disclosure. This lack of compliance raises serious concerns about the handling of my financial information. I kindly request a thorough investigation into this matter, and I expect the immediate removal of the charge-off from my credit report if it is found to be in violation of the GLBA. Failure to do so may result in penalties outlined in the GLBA, including fines and potential legal action. I anticipate your prompt attention to this matter and a written response detailing the steps taken to rectify the situation and ensure compliance with the GLBA.I never seen a opt out disclosure from Equifax that gives them authority to use and share, sell non-public Personal and Financial Information for marketing and Financial purposes without having permissible purpose, BELOW IS THE SCREEN SHOT OF WHAT I RECEIVED, if you do have permissible purpose who authorized and granted you those rights.Accepting unauthorized Non-public personal financial Information is theft, And fall under AGGRAVATED IDENTITY THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by Transunion. I submitted a complaint to Transunion regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, Transunion is legally obligated to respond within 30 days of submission. However, it has now been 30 days since my complaint was filed, and I have not received any response from Transunion. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that Transunion address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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