vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CA

Complaint narrative:
This company called " Credit Control LLC '' called from these different numbers : XXXX XXXX Soliciting for a XXXX 's credit debt payment. I obviously am not the person that the credit collections is looking for. I have told Credit Control LLC several and multiple times to stop harassing me via phone calls since Credit Control LLC got the wrong number. I have told this organization to cease and desist from further phishing for consumer information via wrong number calls. I also told this organization called Credit Control LLC to stop soliciting innocent people from their debt collection practices from out of state. The reporter of this review and report is based in California and we have guidelines in California regarding out of state solicitors and creditors.

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 2024-04-24 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:
My information was bought and sold illegally by Equifax without my permission, I was also a victim of the Equifax data breach. I want these items Deleted from my consumer credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing to correct this. Please help me delete these illegal accounts from my consumer credit reports. 

Negative Reports as follows : XXXX XXXX XXXX XXXXXXXX -- - Account No. XXXX XXXX Charge-off. Note : XXXX XXXX has removed the account number from the record. 
XXXXXXXX XXXX -- - Account No. XXXX  - Charge-off. Note : XXXX XXXX has removed the account number from the record. 
XXXX XXXX -- - Account No. XXXX - Charge-off. Note : XXXX XXXX has removed the account number from the record. 
XXXX XXXX -- - Account No. XXXX Charge-off. 
XXXX -- XXXX Account No. XXXX - At least 120 days or more than XXXX payments past due. Note : XXXX has removed the account number from the record. 
XXXX XXXX- - Account No. XXXX  At least 120 days or more than XXXX payments past due. 
XXXX XXXX -- XXXX Account No. XXXX  - Note : XXXX XXXX has removed the account number from the record. 
XXXXXXXX XXXX XXXXXXXX -- - Account No. XXXX  Charge-off. Note : XXXX XXXX XXXX has removed the account number from the record. 
XXXX XXXX XXXX -- - Account No. XXXX Charge-off. 
XXXX XXXX XXXX -- - Account No. XXXX  Charge-off. Note : XXXX XXXX XXXX has removed the account number from the record. 
XXXX XXXX XXXX -- - Account No. XXXX Charge-off. Note : XXXX XXXX XXXX has removed the account number from the record. 
XXXXXXXX XXXX -- - Account No. XXXX XXXX Accounts : XXXX XXXX XXXX. -- - Account No. XXXX XXXX XXXX XXXX -- - Account No. XXXX XXXX XXXX XXXX -- - Account No. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: NY

Complaint narrative:
I received my credit report from your company. Later looking at it, I found that the information you are stating on some items contains not only invalid and inadequate data, but both inaccurate and incorrect data as well.This data is hurtin me since it is affecting the interest rates that I am able to get and limits my credit capacity. I am distressed that you failed to keep up reasonable methods to assure the most extreme possible legitimate completeness, accurateness and correctness in the credit reports that you give to creditor Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent and as Consumer by law I am asking them to provide any evidence showing authorization transaction from myself to them as I will never allow my info to be shared without my permission and Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 

As a consumer by law this account must be deleted immediately!

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 2024-04-24 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: NC

Complaint narrative:
I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information.

This statute explicitly states that Transunion, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report.

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days.

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2024-04-24 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: NY

Complaint narrative:
The account number, high balance, payment history, account status, and other data from my XXXXXXXX XXXX XXXXXXXX account is inaccurate and different on all 3 credit bureau reports. XXXX has failed to provide documentation of sufficient investigation or to remove the inaccurate information.

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 2024-04-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The account number, high balance, payment history, account status, and other data from my XXXXXXXX XXXX XXXXXXXX account is inaccurate and different on all 3 credit bureau reports. XXXX has failed to provide documentation of sufficient investigation or to remove the inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: NY

Complaint narrative:
The account number, high balance, payment history, account status, and other data from my XXXXXXXX XXXX XXXXXXXX account is inaccurate and different on all 3 credit bureau reports. XXXX has failed to provide documentation of sufficient investigation or to remove the inaccurate information.

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 2024-04-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: AZ

Complaint narrative:
You have repeatedly failed to refund the money you allowed your employee to steal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: MI

Complaint narrative:
I have recently reviewed my credit and i noticed a few hard inquires that are posted that i did not authorize. My credit was in fair condition and i am trying to keep it that way. I have never applied for any of these companies and i am requesting all of these hard inquires be removed please. I am a single fulltime father trying to better my life and my credit so i can buy our first home. In addition to the ones listed above please also remove XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-24 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
During COVID, I moved. Unbeknownst to me, I had a utility bill after moving that went unpaid. I only discovered there was a balance when I saw a collection on my credit bureau on XX/XX/XXXX, by Transworld for XXXX XXXX. Immediately, upon discovery, I contacted XXXX XXXX directly to pay the collection balance of {$190.00}. XXXX XXXX sent me an email with a payment confirmation number for the payment in the amount of & XXXX on XX/XX/XXXX. In XX/XX/XXXX, I reviewed my credit bureau again only to find the collection was still showing. I filed a dispute with my credit bureau. I contacted XXXX XXXX who said they notified Transworld the debt was paid. I spoke with Transworld who said they did had not received notification of payment from XXXX XXXX. On XX/XX/XXXX I forwarded the payment confirmation to the email address provided by Transworld at XXXX. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I spoke with Transworld who said they did not have a record of the payment, so I contacted XXXX XXXX who said they once again notified Transworld the account had a XXXX balance and was closed for each of those dates having sent that notification to the email account they were provided with for communication which was XXXX. I then contacted Transworld who continued to say the account was in dispute and refused to update their records. I escalated the call and everyone I spoke to said they did not have access to the email account where payment was sent and could not confirm payment. On XX/XX/XXXX, I called XXXX XXXX and Transworld on a conference call and gave permission for them to speak to one another regarding the account. The Transworld manager told the XXXX XXXX representative they would need to call the TSI Client Services Hotline at XXXX. XXXX XXXX is not an outward bound call company so they are not authorized to call on behalf of accounts, so I once again, conferenced XXXX XXXX with Transworld with the provided TSI hotline number so that XXXX XXXX could once again confirm the account balance is XXXX and the account is paid. The XXXX XXXX representative again confirmed payment was made. This debt was paid nearly 6 months ago. It is negatively impacting my credit despite my having paid the account, as well as my due diligence to resolve this matter. I thought I was doing the right thing going directly to XXXX XXXX. XXXX XXXX has been wonderful to work with and so helpful and cooperative. Whereas, Transworld has been incredibly rude, frustrating, and difficult to work with, giving me the run around, and refusing to acknowledge the paid debt despite being provided proof of payment. It is despicable that after 6 months and repeated efforts to notify them of the paid debt that Transworld has not updated my credit report. I notified them today ( XX/XX/XXXX ) that I am filing a dispute with the consumer finance department.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> I was alerted of not enough funds for an XX/XX/year> auto payment to merchants and I was given a 1 day grace period, the email was sent XX/XX/year> @ XXXX am, I read that email that night and immediately went through my XXXX and vendor accounts searching for funds to pay this, I came up with half but deposited anyway. I woke up this morning to numerous notifications about overdraft fees and everything and was over {$90.00} negative on my account. What good is a 1 day grace period if you don't even tell the customer about it until noon the following day making it less then XXXX hours. I tried and tried to get overdraft protection for my wells Fargo account because I have XXXX  XXXX and get XXXX and don't remember when or where I spent money, wells Fargo said my account does not qualify for said protection but has no problem charging me a high overdraft fee, it is my money that goes into the account and my social security security number that is linked to my credit wells Fargo does not own me and should don't deny protection for the things I own IE the money I deposit. If I want it protected from going negative it should not be a problem to accommodate. Now I'm lost in negatives, failed payments, late fees ect and I can't do anything about it because of the XXXX XXXXXXXX  issues I don't know where it's all coming from while wells Fargo just sits back and collects my 3 overdraft fees per day.. thank you for your time 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 monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-24 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I had credit card with Chase bank a couple of years ago. My credit card was hacked and someone used it to buy air fares. When I realized about the hack, I immediately notified Chase about it. Unfortunately, Chase didn't investigate appropriately, and considered I was at fault Subsequently, I decided to close the account to prevent futher hack. 

As of XX/XX/2024, Chase still considers delinquency and reports it which has been causing my XXXX scores degrade significantly and causing me to pay for higher premiums for everything that requires running credit due to this delinquency. 

I have exceptional payments history with other creditors except this account with Chase which I did not make a purchase and I was timely notified Chase about the hack.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: OH

Complaint narrative:
I've been a victim of identity theft ; my information was exposed to the public in the Equifax data breach, and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these fraudulent accounts removed ASAP.

Company response to consumer: Closed with non-monetary relief