vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, 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:
There is seems to be an error on these accounts that are being reported on my credit report. I did manage to reach out to the creditors but they don't have any update yet. Please remove these accounts.

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 2023-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
My loan was increased by XXXX $ saying missed payment. I havent ever missed a payment .. or been late. My credit has been ran by the dealership my loan is thru, Toyota financial. XXXX times they have ran my credit since buying the truck.. RUINED MY CREDIT SCORE.. I had to freeze my XXXX  and XXXX to stop further inquiries being made. Called dealership. NOTHING GOT DONE. Now my loan went up saying missed payment but theres no proof and everyone I talked to says Ive never missed a payment. I feel Im being taken advantage of .. everyones pointing fingers at each other and nothing is being taken care, my credit score is being destroyed. My monthly payment is {$970.00}. I feel theyre gon na take {$120.00} a month till its fully paid .. AND THAT WONT HAPPEN!! IVE NEVER MISSED A PAYMENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing a complaint to dispute several accounts that appear on my credit report, which I believe to be inaccurate and not associated with me. Despite my multiple attempts to rectify this issue through your bureau, as well as with the respective creditors and the Federal Trade Commission ( FTC ) website, the inaccurate information still remains on my credit report. I kindly request your assistance in addressing this matter promptly. I kindly request your immediate attention and assistance in resolving this issue. First and foremost, I would like to emphasize that the disputed accounts listed on my credit report, identified below, are not mine : XXXX ( XXXX ), XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX ( XXXX ), XXXX BANK XXXX ( XXXX ), XXXX/XXXX ( XXXX ) XXXX XXXX/XXXX  ( XXXX ), and XXXX ( XXXX ). Despite my diligent efforts to rectify this error, the inaccurate information persists on my credit report, negatively impacting my financial standing and potential opportunities. I have taken the necessary steps to dispute these accounts by sending letters via certified mail, providing supporting documentation, and clearly stating the reasons for my dispute. Regrettably, my attempts to resolve this matter have been met with no response or resolution. I am deeply concerned about the potential implications these erroneous accounts may have on my creditworthiness. It is my right as a consumer, as granted by the Fair Credit Reporting Act ( FCRA ), to have accurate information reported on my credit file. I request that you conduct a thorough investigation into the disputed accounts and take the appropriate measures to remove them 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 explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
In accordance with fair credit reporting act XXXX  act # XXXX XXXX XXXX XXXX, has violated my rights 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

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 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Case number : XXXX Account number ending in : XXXX In early XXXX I submitted a claim against XXXX for {$1700.00} because they refused to give a refund originally when I submitted a claim with them. I had to call Wells Fargo to submit a dispute due to no return of service and they temporarily credited my account. Now fast forward, XX/XX/XXXX I received a letter in the mail stating that the claim has been resolved and they would reverse funds on XX/XX/XXXX. On XX/XX/XXXX I called in to Wells Fargo to ask them if they could pull funds on XX/XX/XXXX or XXXX, that way it doesnt interfere with my bills and I can also make sure Wells Fargo gets their money. They submitted a request and when I called in the next day XX/XX/XXXX, they said the request was denied. Now fast forward to XX/XX/XXXX {$1700.00} was drafted from my account. I called in to make a dispute because I didnt know who was pulling money from my account. They informed me that this occurred because of the reversal of credit and then I brought up to them that now my business account is in the negative. This is unacceptable because I was properly handling this from the beginning to make sure My account would not go negative and make sure Wells Fargo was financially taken care of too. I have a phone call verifying that Wells Fargo did a call review and did confirm that I called in to try to have them take the payment out XX/XX/XXXX or XXXX and they denied it. Yet two months later they could just randomly pull out {$1700.00}. And now Im not sure when that money will be paid back because I didnt plan for it and currently on XXXX XXXXXXXX because my XXXX XXXX XXXX XXXXXX/XX/XXXX. This is crazy to me that when I try to properly handle this to make sure Wells Fargo is taken care of, they can deny it but are allowed to take out money whenever from my account without any notice?? 
I also called in multiple times to speak with a supervisor named XXXX and I asked her to send me the disclosure where it states that this is an acceptable thing for Wells Fargo to do and she refused and said I could just look it up online and she ended up hanging up on me. I told her how upset I was that Ive been a customer since 2012 and this is the response that they give for someone thats been a customer in good standing for over 10 years.

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 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. 

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,, has violated my rights. 

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 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 2023-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
I was contacted this morning around XXXX by the XXXX XXXX XXXX # XXXX. The caller poorly informed me/refused to tell me who they were or why they were calling until I confirmed who I was. After I did, they went straight to telling me about a debt they were trying to collect, of which is a credit card debt that can only be from more than 6 years ago. My credit report doesn't even show it anymore, it has been written off completely ( I verified this with two companies ) In others words XXXX is still trying to collect old debt that isn't even legally due anymore. I also found it incredibly rude that they refused to they me who they were before I " verified '' who I was. I didn't want information other than who they were.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: American First Finance, Inc.
State: OH

Complaint narrative:
I filed a police report with Gahanna.gov and followed up XXXX : XXXX Its with American First Finance. I have continued to report this to credit karma but American First Finance states it was opened legitimately but I dont know what information was used to open the account and Im unable to get that information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, 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:
I am shocked and upset about the erroneous things I have seen in my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. 

I contacted the XXXX, XXXX and transunion on XX/XX/XXXX regarding these inaccurate accounts. They have been no help to me.

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 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, 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:
I am shocked and upset about the erroneous things I have seen in my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. 

I contacted the XXXX, equifax and XXXX on XX/XX/XXXX regarding these inaccurate accounts. They have been no help to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
I recently received a letter from Zions Bank regarding an issue in response to an email I sent. The email contained attachments that provided evidence of a claim of malfeasance by XXXX. The letter I received from Zions indicated that the claim was denied and that Zions considered the matter closed. 

I, however, do not consider the matter closed. The lack of consideration of Zions Bank has caused me financial and personal distress to me. I did not authorize the deduction of {$360.00} from my account, thereby putting the account into a negative balance of {$380.00} ( including NSF ). The charge should have been declined when attempted by XXXX. Clearly, Zions Bank entered me into a contract against my will.

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 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
URGENT - Failure to Adhere to Fair Credit Reporting Act ( FCRA ) Requirements Dear Consumer Financial Protection Bureau ( CFPB ), I hope this letter finds you well. I am writing to bring to your attention an alarming violation of my rights as a consumer, as stipulated in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 1 ) ( A ). 

On XX/XX/2023, I submitted legitimate dispute letters to XXXX, Transunion, and XXXX, the three main credit reporting agencies. According to the FCRA, they are obligated to respond to my dispute within a 30-day window. However, despite the ample time given, I regret to inform you that I have yet to receive any communication from these agencies regarding my dispute. 

This failure to respond within the stipulated timeframe is a clear violation of 15 USC 1681i ( a ) ( 1 ) ( A ) of the FCRA. The unresponsiveness of these credit bureaus has not only left my dispute unresolved but also demonstrates a blatant disregard for the regulations designed to protect consumers like myself. 

I respectfully request your immediate attention and intervention in this matter. It is vital that these agencies are held accountable for their compliance with the FCRA, and that my rights as a consumer are safeguarded. 

I appreciate your time and prompt attention to this urgent issue.

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 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
URGENT - Failure to Adhere to Fair Credit Reporting Act ( FCRA ) Requirements Dear Consumer Financial Protection Bureau ( CFPB ), I hope this letter finds you well. I am writing to bring to your attention an alarming violation of my rights as a consumer, as stipulated in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 1 ) ( A ). 

On XX/XX/2023, I submitted legitimate dispute letters to XXXX, XXXX, and Equifax, the three main credit reporting agencies. According to the FCRA, they are obligated to respond to my dispute within a 30-day window. However, despite the ample time given, I regret to inform you that I have yet to receive any communication from these agencies regarding my dispute. 

This failure to respond within the stipulated timeframe is a clear violation of 15 USC 1681i ( a ) ( 1 ) ( A ) of the FCRA. The unresponsiveness of these credit bureaus has not only left my dispute unresolved but also demonstrates a blatant disregard for the regulations designed to protect consumers like myself. 

I respectfully request your immediate attention and intervention in this matter. It is vital that these agencies are held accountable for their compliance with the FCRA, and that my rights as a consumer are safeguarded. 

I appreciate your time and prompt attention to this urgent issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
I reported 3 unauthorized transactions on XX/XX/2023 {$99.00} {$99.00} {$99.00} as the merchant XXXX sent me an email telling me that my account has been compromised and to disregard any emails telling me about the orders made as they cancel them and if I see any charges on my bank statement to dispute it with my bank, did report this with my bank on XX/XX/2023 and Ive given them more than 10 business days to resolve. My issue anymore. Time is needed them provisional credit should be given to me within 10 business days as it states that in the terms and conditions they agreed to.I sent them screenshots of my communication I had with the merchant and what they advised me to do, and they are refusing to provide me a provisional credit because I am familiar with the merchant. Yes, I am familiar with the merchant, but I am not familiar with those transactions and neither is the merchants as they were the ones that notified me that my account has been compromised and to dispute the charges with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express is banking a merchant called XXXX XXXX XXXX which is disreputable. Their practices are unfair and deceptive. 

I intended to purchase tickets directly from the venue- XXXX XXXX. When I searched for XXXX XXXX, the XXXX XXXX XXXX website, carefully created to look like it was XXXX XXXX, was presented to me. They sold me concert tickets at an extraordinary markup. I realized my error within a few minutes of making the transaction and called to cancel. 

Specifically, I called XXXX on XXXX at approximately XXXX XXXX. I spoke with XXXX employee # XXXX and requested she cancel my transaction, made in error. She refused. I encourage you to request a recording of that call so you can hear how this merchant stands on some fine print that I suspect many of their customers do not see or understand. 

At the time I purchased these tickets, the real tickets from XXXX XXXX werent even available yet. The real tickets went on sale at noon. This transaction was made before noon. 

I believe that the methods of this merchant are unfair, deceptive, and just really dishonorable. I asked both the merchant and American Express to consider why they would not refund a charge, mistakenly made, and both refused. To me, this is the epitome of unfair and deceptive acts and practices. Only merchants who are willfully gouging customers would stand on fine print when a customer, in good faith, requests a refund literal minutes after making a transaction. This is wrong and American Express is accountable because they bank such a disreputable company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,, has violated my rights. 

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 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