vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-02 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: TX

Complaint narrative:
Going over my monthly consumer report I've noticed that Transunion is reporting multiple accounts that's inaccurate and reporting unlawfully. They are reporting accounts that are not verified nor have my consent to report. I have a right to privacy in which this account never had permission form me which violates that right. I ask that Transunion thoroughly investigate these account to ensure all accuracy. There are no agreement between me and any of the companies reporting so how can there be a debt if there was never a balance agreed to be paid? where's the authorized signature from me? If Transunion continues to report these accounts knowing they're not verifiable then that's another violation against my rights on their end. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, I demand that these accounts be removed if you can not provide to me any signed agreements between me and the creditor reporting these accounts with my permission to report these accounts. 

Violations committed by Transunion : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal 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 2023-11-02 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:
Going over my monthly consumer report I've noticed that Equifax is reporting multiple accounts that's inaccurate and reporting unlawfully. They are reporting accounts that are not verified nor have my consent to report. I have a right to privacy in which this account never had permission form me which violates that right. I ask that Equifax thoroughly investigate these account to ensure all accuracy. There are no agreement between me and any of the companies reporting so how can there be a debt if there was never a balance agreed to be paid? where's the authorized signature from me? If Equifax continues to report these accounts knowing they're not verifiable then that's another violation against my rights on their end. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, I demand that these accounts be removed if you can not provide to me any signed agreements between me and the creditor reporting these accounts with my permission to report these accounts.

Violations committed by Equifax : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I knew I was getting a transfer of my job and I asked for refinance options or a forbearance. I has issues with them following back up with me and then I didn't receive any call back. I was then told I had to upload my documentation but I could not, the website would not let me. Then I sent the documentation to the email address with no call back. Then I called into the mortgage again and was advised they would accept my email requesting the information. Then I was denied an adjustment in my mortgage or any help. I feel like they personally are trying to make me go into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: MN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-11-02 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: MN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Ive had numerous fraud charges on my account and in my last claim which consisted of many XXXX orders that legitimately werent mine and Wells Fargo responded with letting me know they were closing my account and deemed it fraud on my behalf

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 2023-11-02 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( The following personal information is incorrect. The personal data reporting is inaccurate. )

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 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Prosper Marketplace, Inc.
State: AZ

Complaint narrative:
A fraudulent charge of {$5.00} on XX/XX/23 was made and again on XXXX for {$79.00} reported both fraudulent charges on or about XXXX when charges were noticed. As of XXXX Prosper still has not resolved the issue and continues to charge daily interest on the total amount and recently added XXXX cents of credited interest, this type of practice should be looked into! I closed account as of XXXX due to Prosper in action talked with XXXX different agents on different days each one stated, " I have reported the fraudulent charges so the fraud team can look into it! ". Not one agent has ever stated the case is still open and provided a date is resolution, every agent relayed that it was being reported of new. They make you verify your account with more security than removing a fraud claim! They also closed my account and closed access in app faster! This company definitely needs to be looked into!

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i attempted to make a purchase at XXXX XXXX  store and credit card for the store would not process the purchase. Tried twice by inserting my social security number and the system indicated DENIED. The store clerk recommended contacting the bank ( XXXX XXXX XXXX  ). I contacted the bank and they requested that I reapply for the credit card. I decided not to and applied for a credit card at my Credit UNION. That is when I found out I had a {$6000.00} overdue bill delinquent, which affected my credit score ( experian ). The bank has reduced our balance to XXXX  balance but our Credit Score has not been adjusted as far as I know. It appears a crime has been committed and although we may be able to resolve the issue as far as our credit score but someone should be charged with the crime and make restitution to us and the citizens of 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 explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Comenity Bank is charging my debit card without my consent on 4 different occasions now. They state they do not do that but my bank statements reflect the charges. I never gave them permission to charge my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery Associates has continued to call my cell phone after I have asked them not to back in XXXX of this year. They have called me 2x in a row today at the same time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
While flying on Frontier Airlines the flight attendants shared a promotional offer for Frontier Airlines XXXX XXXX. I received a brochure with the inflight promotional code. On XX/XX/23 I went to applyfrontiercard.com, this website is something different. Its a fake site. So, I went to XXXX Frontier website to apply for the credit card. The application did not ask for any promotional code. I applied for the credit card and was approved. The promotional offer was different than what I thought I was signing up for. I contacted customer service immediately via their messaging platform on XX/XX/23. On XX/XX/23 I called customer service twice at XXXX and XXXX, informing them about the faulty web address and requesting that they change the promotional offer. I spoke with three representatives that werent able to add/change the promotional offer despite sharing the scenario and providing them with the inflight promotional code. The promotional offer associated with my account is earn XXXX bonus miles after spending {$1000.00} within the first 90 days. 

I would like for the promotional offer that I signed up for to be honored which is earn XXXX bonus miles with first purchase within the first 90 days of account opening and earn XXXX additional bonus miles as a first time applicant when a valid inflight application is submitted. 

In addition the fraudulent web address needs to be investigated.

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 2023-11-02 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: TX

Complaint narrative:
Transunion is allowing the following six companies to report continues inquiries within my consumer report : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. These companies can not provide me with any signed documentation to support these false inquiries, I have provided my ftc report and other supporting documentation informing these companies these inquiries are a result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Consumer Portfolio Services, Inc.
State: UT

Complaint narrative:
I am struggling financially and need to surrender my vehicle back to the company, i do know i am liable for the remainder of the loan until either settled or paid in full however i have been getting voicemails that are not limited content messages, they are saying the year make and model of my vehicle, that they are calling for broken arrangements, my account is going to loss prevention and these are all things that under the limited content message rule should not be left on a message. I am not sure if they do the XXXX testing but this is an important rule for collection companies to let their employees know. 
When i did talk to a rep XX/XX/23 she advised to me that they can say anything over the voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Put my address back on my XXXX credit report account today. And update my credit reports for 2023 of this months XX/XX/2023 today for XXXX, Equifax, XXXX to the lastest credit report of 2023 of XX/XX/XXXX Thxs

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I just feel like any overdraft fee I incurred shouldnt been an overdraft because the bank know I dont have the phones so why let it charge?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Card Receivables Fund Incorporated
State: NC

Complaint narrative:
Debt collection agency sent a 1099C to the IRS. When attempting to contact said agency to request " proof of debt. '' They informed me that the " Statute Of Limitations in North Carolina '' has passed, and they could not provide any proof of debt. Now, I owe the IRS taxes on cancellation of debt, in which I have NO PROOF of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
Mohela is reporting inaccurate loan balance on my credit reports. They are reporting that I have a balance of {$150000.00} and that is inaccurate. The balance for that individual account should be {$15000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
on XX/XX/2023, i purchased with my synchrony bank PAYPAL MASTERCAR CREDIT CARD by XXXX for the amount of {$350.00} a XXXX XXXX XXXX for a desktop computer, with the description, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the order number XXXX. 

The situation is that the seller with the name XXXX Store, scammed me, I did receive an article at my home address, but my surprise was that that the article was a joke, this store or person sent me a XXXX XXXX XXXX XXXX. Right after I reported by a dispute to XXXX and PayPal, attached the whole documentation I have. The dispute at XXXX is FROZEN at this time, with the description, this order is frozen because a chargeback has been filed. 

I called PayPal couple times because at this time my card has a charge of the whole amount of {$350.00} and the representative explained to me that the case is close ( I LOST ) because I never presented proofs. For that reason, I am filling this case, with the proofs and documentation i have, also for my records,

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 2023-11-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: IL

Complaint narrative:
Equifax, XXXX and XXXX have been reporting bankruptcy to the credit bureaus. 
The courts do not report any information to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Sent multiple debt validation letters midland credit is called from spam numbers all day they also using artificial intelligence Technology is Company is currently being sued by me I have obtained a lawyer for this matter I never did any business with this company or know where this debt came from I would like this debt removed and phone calls to stop they are doing illegal practices

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Total Auto Finance
State: VA

Complaint narrative:
Hello, I bought this car on XX/XX/XXXX not even a week after owning the vehicle it broke down and left me stranded in the middle of a XXXX XXXX highway. I called the bank and car lot explaining what happen and that the car come with warranty and it needed to be fixed. XXXX fuel injectors failed and started a huge gas leak that couldve killed me. The car lot and bank both refused to fix the car or take it back and return my money. Oh yea btw this bank XXXX total auto finance is not a real bank good luck with them ripping you off with money and never getting a response. A bank should not be able to text or call you XXXX hours a day 7 days a week. If they claim theyve offered to fix my car why had it been sitting for 6 months out of the 11 months ive had it? Why did I have to get a lawyer involved and sue for warrant in debt. If yall tried to fix it why did XXXX XXXX me to bring the car to yall? Why when I TOWED THE CAR TO YALL WHICH WAS XXXX and half hours away XXXX XXXX tell me where my car was going or who the mechanic was? Why did yall tell me drop the car and keys and leave immediately and then after I kept asking for my answers yall started to cuss me out and yell at me? I can upload the video because its recorded as well as XXXX witnesses who was standing with me and saw it. Do you wan na bring screenshots of where XXXX forged my name on a new contact with a higher amount and refused to give me a copy? If I signed a paper dont you think I would have a copy? XXXX you think I wouldve remembered the exact amount financed. Funny how youre hiding behind a screen telling lies but yet cant be served with paperwork because no one can find you. Karma is bad and its coming really soon and hard for yall. That car has gotten me hit 2 times and almost passed out behind the wheel because the fuel flames coming through the cars venting system. Lets not forget the car had a salvage title and in the state of Va IT IS ILLEGAL TO SELL A SALVAGE TITLE WITH A CAR without disclosing it or any known issues in the contract. How was my XXXX XXXX XXXX with XXXX miles listed as XXXX on the website and some how AFTER I bought the car it went up to XXXX? How come I never signed the contract that shows XXXX? Why did I never get a copy that says {$17000.00}? Why havent yall reported my payments Ive made since XXXX of XXXX? I can go on and submit a LOT MORE EVIDENCE against XXXX but XXXX let that lawyer handle that. Dont forget how yall HAD PLASTIC ZIP TIES holding car parts together on this car & how I had to spent almost XXXX dollars on a new motor for the car because XXXX refused to fix the issues wrong even though it was covered under warranty!

Company response to consumer: Closed with explanation