vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
So Ive attempted to open an account with XXXX XXXX. They will not open my account because of negative remarks from XXXX. It keeps saying something about checks. I never had checks with XXXX when I had an account with XXXX and every time I went to cash my employment check because of the amounts I always had issues so I ended up closing my account which they gave me a hard time doing that and went to bank with XXXX which Ive havent had any issues with since I also have an account with XXXX thats been in good standing for a while now as well so the report from XXXX XXXX came in. I called the people who they go through for the credit check. They told me to reach out to XXXX. I reached out to XXXX. Theyre saying that there isnt anything the information that theyre giving me is incorrect so they gave me who they go through when they pull credit reports contacted them. They said that they dont see anything for me to reach back out to the people who pull the credit reports for XXXX XXXX reached out to them, filed a complaint for them to look further into it and reach out to XXXX . They sent me a letter stating that, even though when XXXX sent me the credit report and the information that they had, I sent it to them when I Filed the claim they said that it came back. Still something on there is saying that theres something on XXXX report and I would like for it to be removed because I closed my account with keeping. I dont owe XXXX anything and Ive never wrote a check because I never received checks I used to cash my employment check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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:
I checked my TransUnion consumer report and noticed that an item is being reported without my expressed consent written or otherwise. There is a bankruptcy reporting that is being furnished after I have disputed its inaccuracy and madeTransUnion aware of its error in reporting this. It violates my right to privacy and goes against The Consumer Privacy At of1974. It states that " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). TransUnion has been made aware through clear and conspicuous communication that the furnishing of this information is against my will and without my consent. Every time TransUnion disseminates my consumer report, it is violating my privacy and laws set up by the FTC to mitigate identity theft.

Companies are supposed to adopt procedures that would aid in defense of such egregious misuse of my consumer report and protect the privacy of the consumers. TransUnion failed to do that and according to 16 CFR 681.1 is liable for not following legal procedure and remaining compliant with Federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 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: PA

Complaint narrative:
Falsely reported bankruptcy that IS NOT MINE and I am getting NO ASSISTANCE or information on where they are getting this information and only reported by this institution

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 2023-12-08 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: DC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Someone has gotten a loan or lease in my name that I am not aware of I never leased anything I owe my vehicles.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: DC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-12-08 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 called the credit reporting agencies letting them know the inquiries and accounts are unauthorized/ not supposed to be visible on my consumer report. Never gave them permission or consent to report these unauthorized accounts. This is Aggravated Identity Theft 18 U.S. Code 1028A

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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: WY

Complaint narrative:
Capital One Bank sold my account to XXXX XXXX XXXX ( XXXX ), and charged off the account. I then executed and settlement agreement to pay less than what was owed with XXXX, after satisfaction of the agreement, I sent the receipt to Capital One bank from XXXX. Capital One refuses to update me credit report to and outstanding balance of {$0.00} and will not communicate with me regarding this account. I have disputed this information with the credit reporting agencies and Capital One lies to the agencies and doers not honor my agreement. XXXX has removed their entry from my credit report, it is just Capital One who is providing incorrect information to the credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
This is about my problem with Wells Fargo credit card. I was overcharged, i.e. was double charged for the amount that I have already paid in the last month. 

On the last statement XX/XX/23 to XX/XX/23, I am incorrectly billed {$430.00}. 
What happened was that my payment for the previous cycle was not deducted from the total Purchases Amount. Wells Fargo billed me for the Total Purchases {$450.00} minus Cash Rewards {$14.00} which amounted to {$430.00}. However they didn't deduct my payment {$170.00} which resulted in billing me XXXX  for the same amount in XXXX consecutive statements. 

The right way to do it would have been : {$450.00} ( Purchases ) - {$170.00} ( Payment ) - {$14.00} ( cash rewards ) = {$260.00} - the correct amount to be billed. However I am billed for the {$450.00} - {$14.00} = {$430.00} which is incorrect. Whatever happened to my payment? It disappeared aka not deducted from the total Purchases.

I want this overcharge to be refunded.

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 2023-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: PR

Complaint narrative:
I paid my student loan through AidVantage on time on XX/XX/XXXX  and it reported a late payment on XX/XX/XXXX  affecting my credit score. It's extremely difficult getting ahold of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I disputed a transaction I made with the XXXX XXXX XXXX because I have had fuel reader issues twice and upon inspection with my insurance company the windshield was damaged in multiple places, but only one is noticeably visible. Because I lost the dispute and it went over my credit limit they closed my card, which is going to negatively impact my credit score.

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 2023-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: NC

Complaint narrative:
Fair Debt Collection Practices Act Violation There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

XXXX XXXX XXXX Located at XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX is in Violation of The Fair Debt Collection Practice Act 15 U.S.C 1692 against me, XXXX XXXX as of XX/XX/2023. On XX/XX/2023, it was brought to my attention that Asset Care LLC furnished negative information to the Credit bureaus against my XXXX XXXX XXXX, in violation of 15 U.S.C 1692 ( a ). See. Attachment.

I XXXX XXXX never received notes of this alleged debt from Asset Care LLC in violation of 15 U.S.C 1692 ( g ) ( a ) and was never afforded the opportunity to dispute this alleged debt in violation of 15 U.S.C 1692 ( g ) ( b ). This negative reported information has grossly affected my ability to borrow money from any Finincial Institutions and has affected my credit worthiness.

Along with this Complaint, a Formal Complaint will be filed with the of office of XXXX XXXX XXXX, Attorney General for the State of Texas. In addition, a complaint will be Filed with the office of XXXX XXXX XXXX, Insurance Commissioner office for the State of North Carolina against Asset Care LLC Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
DELETE ALL FRAUD ALERTS TransUnion : # XXXX  # XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 
XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME XXXX XXXX EVENING XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
DELETE ALL FRAUD ALERTS XXXX : # XXXX  # XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 
Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME XXXX XXXX EVENING XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Ive contacted XXXX, Equifax, and XXXX about inaccurate balance for XXXX XXXX XXXX The balance is showing up {$360.00} and {$360.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Ive contacted XXXX, Equifax, and XXXX about inaccurate balance for XXXX XXXX XXXX. The balance is showing up {$360.00} and {$360.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: PA

Complaint narrative:
Falsely reported bankruptcy that IS NOT MINE and I am getting NO ASSISTANCE or information on where they are getting this information and only reported by this institution

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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: NH

Complaint narrative:
Car belonging to ex husband is listed as a joint account. I was NEVER on this loan, in fact in 2016 it was listed on my divorce decree free and clear, not my debt. My ex filed bankruptcy a few years back ( post divorce ) and now ford motor is listing debt as mine. I have disputed many times with them as well as 3 credit bureaus and they NEVER send me updates or confirmation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX was removed from XXXX on XXXX XXXX. I contacted XXXX and Equifax due to inaccuracies XXXX XXXX XXXX needs to be removed from credit report. All credit bureaus have to report all the same. My request was denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: WA

Complaint narrative:
For the past three months, I've experienced an unimaginable hardship due to a series of inexcusable errors on the part of Direct Express. My Social Security benefits, which are essential to my survival, were inexplicably suspended due to alleged fraudulent activity on my account. Despite submitting my ID and Social Security card multiple times, including with the assistance of my social worker, Direct Express repeatedly rejected them as invalid for frivolous reasons like being XXXXXXXX XXXX XXXX or requiring a digtial camera. 

This bureaucratic nightmare resulted in me nearly losing my housing and facing severe physical and mental anguish. I was forced to endure extreme hunger and exhaustion, scraping together whatever resources I could to survive while recovering from a serious car accident. This situation has caused me immense emotional distress and financial hardship. 

Direct Express 's utter lack of transparency and disregard for my basic needs is deeply disturbing. They failed to communicate the issue effectively, even to Social Security representatives, and offered no explanation for the delays. This callous behavior has left me feeling vulnerable and helpless. 

I am currently pursuing legal counsel to address this outrageous situation. Direct Express must be held accountable for their negligence and the suffering they have inflicted upon me. I urge them to immediately release my withheld benefits and provide a comprehensive explanation for their actions. 

Additionally, I demand compensation for the pain and suffering I have endured as a direct result of Direct Express 's incompetence. Their actions have caused me significant physical, emotional, and financial harm, and they must be held responsible for their egregious misconduct. 

I trust that you will take my situation seriously and assist me in seeking justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: IN

Complaint narrative:
Ive contacted Transunion, XXXX, and XXXX about inaccurate balance for XXXXXXXX XXXX XXXX The balance is showing up {$360.00} and {$360.00}.

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 2023-12-08 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/, I submitted an application to American Express ( AMEX ) for an American Express Business Platinum Card. The amount was not determined. On that same day, my consumer report ( credit report ) was accessed by AMEX. After checking the FCRA, CFPB, U.S.C./CFR, and AMEX SEC filings, I began to reach out to Investor Relations Division, then specifically asking for the Chief Risk Officer, XXXX XXXX via voicemail. Not response has been given. Issue : According to the FCRA ( 15 U.S.C 1681 which holds authority under 16 CFR 602 ) denying or causing negative impact to a consumer report is adverse action ( section 603 ). I had not expected my credit report to be requested via third party because I offered my SSN. I was never notified of any adverse action information including ( 1 ) name, address and number of CRA ( 2 ) statement that CRA did not make this adverse action ( 3 ) Report is accessible for AMEX by CRA for 60 days ( 4 ) The right to dispute the information obtained by CRA. ( Section 615 ). Section 605A ( h ) has limitations imposed for obtainig a report for certain circumstances, including to establish new credit for a consumer. These are the deceptive and fraud acts spoken to be prevented by the CFPB in the AMEX SEC Filings. On page 17 of AMEX SEC Filings under the Consumer Financial Product Regulation states it is authorized to collect fines require consumer restitution in the event of violations '' ... ... '' promote availability of financial services to underserved consumers and communities ''. I am looking to speak with someone to receive remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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:
I requested via XXXX XXXX that TransUnion remove the following : XXXX XXXX XXXX Last reported XX/XX/2023 {$6300.00} Open balance XXXX XXXX  does not provide a record of disputes to show proof of an accurate date for the 1st dispute for a fraudulent account. Upon noticing this, the 2nd dispute I photographed on XX/XX/2023. No action was taken nor a resolution given to me by either company. 

After XXXX separate disputes, XXXX for fraudulent account as well as an additional dispute for litigation against this account this account still reflects as accurate on my credit report. This is a violation of my personal privacy as well as my rights as a United States Citizen under [ 15 U.S.C. 1681 ].

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