vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 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: TX

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this 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 2024-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i have filled a FRAUD claim with WELLS FARGO CREDIT CARD COMPANY and they are refusing to resolve the fraud case with me. I have filled a POLICE report and provided all the information to them i had also filled to receive a new ID Because i left to XXXX and recently had that done. And now the credit card company is refusing to solve the claim in my favor because they are saying the store that my card was used frequently it was used XXXX years ago same store. For me this doesn't make sense at all. I have filled a police report i didn't know i was supposed to and provided everything they had asked of me and now they are refusing to file the claim and do their du diligence and investigate to see its not me, but again they are refusing to do that i would like wells Fargo to be investigated because this is a very shady company i have never had to deal with this kind of company that is not willing to help me when i had fraud on my credit card, Please help me resolve this issue because they want to leave this charge on me they have send me a letter datedXX/XX/XXXX that they have completed the fraud case and it was authorized by me. This is not right this is unfair please fully investigate this company because this is wrong treatment to someone who is not guilty i have done everything they have asked from me they still don't care no one is helping me from wells Fargo department to resolve this. They have not done full investigation and they sre trying g to get rid of me. I feel like i am discriminated against and i am not being treated fully i don't know if its because of my voice or what but wells Fargo company is a fraud to me for not helping with this fraud case i have opened with them i even asked them to open a camera to view this is fraud they said you go and do that yourself they are not treating me fairly.

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally dispute the balance on my account related to the repossession of my vehicle. My vehicle was repossessed by XXXX XXXX and subsequently sold at auction. Despite this, the balance on my account remains unchanged, reflecting the original amount owed for the vehicle prior to its sale. I have not received any communication regarding the proceeds from the auction or any adjustment to the account balance to reflect these proceeds. 

I believe there has been an oversight or error in processing the proceeds from the auction sale. According to my understanding, the auction sale proceeds should be deducted from the total balance owed, and any remaining balance should be communicated to me clearly.

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 2024-05-15 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: WI

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-15 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: AZ

Complaint narrative:
To whom it may concern, I hope this message finds you well. I am writing to urgently address a serious issue regarding my TransUnion credit report. 

Upon reviewing my credit report, I was dismayed to discover the presence of a collection account that I have absolutely no knowledge of. After thorough investigation, I have determined that this entry is the result of fraudulent activity. In response, I have filed an identity theft report with the appropriate authorities. 

Despite my efforts to dispute this fraudulent collection account through TransUnion, I have encountered significant obstacles in the resolution process. Allow me to outline the sequence of events : * Request for Original Contract : I initially requested copies of the original contract pertaining to this account from the XXXX XXXX XXXX the purported original creditor. However, despite multiple attempts, I have not received the requested documentation. 

* Dispute with TransUnion : Subsequently, I filed a dispute with TransUnion regarding the fraudulent nature of this collection account. It is important to note that TransUnion is the only credit bureau among the three that reports this collection. 

* FCRA Compliance : According to the Fair Credit Reporting Act ( FCRA ), it is prohibited to report fraudulent or inaccurate information on consumer credit reports. This collection account, being the result of identity theft, violates these regulations and has inflicted critical damage to my financial standing. 

* Collection Agency : The collection account in question is currently held by XXXX XXXX XXXX XXXX, a collection agency. Despite my diligent efforts to rectify this situation, the account remains on my credit report, causing significant harm to my creditworthiness and financial stability. 

Attached to this message, you will find a copy of the identity theft report that I have filed. This document serves as unequivocal evidence of the fraudulent nature of the collection account. 

In light of the foregoing, I demand the immediate removal of this fraudulent collection account from my TransUnion credit report. I implore you to take swift and decisive action to rectify this egregious error and alleviate the distressing consequences it has inflicted upon me. 

Please keep me informed of the steps being taken to address this matter. Your prompt attention to this urgent issue is greatly appreciated. 

Thank you for your cooperation and understanding. 

Sincerely, 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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im requesting a deletion for both of these accounts. These are un unauthorize account. I reached out to the creditor and they agreed to delete both accounts. 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 explanation
Consumer complaint received 2024-05-15 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:
I viewed my credit report and noticed that there are incorrect 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 2024-05-15 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: IN

Complaint narrative:
More than one issue. The information on my credit was merged with someone elses because our social security numbers differ by XXXX digit. I got his bad credit on my credit and it affected myself and family greatly. Had to call and report items for over a year and it was finally removed all of the items but my credit is bad still due to this even after a year or XXXX. 

The other issue is I have disputed a lot of other items on my credit as well and they are not removed. Along with negative items that were not removed and stayed on for longer than allowed. Which affected me in getting another vehicle.

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 2024-05-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CT

Complaint narrative:
I have been trying since Tuesday XX/XX/XXXX to withdraw funds from my brokerage account to no avail. I chatted online with XXXX different peoples still with no help. XXXX was the most helpful, however what he is instructing me to do as a workaround does not work. Their site will not allow me to disable Margin Investing so that I can withdraw my settled funds, message keeps telling me to deposit funds or sell assets but not providing an amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: AZ

Complaint narrative:
I recently discovered an unauthorized debt collection on my credit report from IQ DATA INTERNATIONAL INC. Upon receiving notification of the debt, I immediately disputed its validity by sending a formal dispute letter to IQ DATA INTERNATIONAL INC on XX/XX/year>. In the dispute letter, I clearly stated that I did not authorize the debt and provided evidence supporting my claim, including documentation of identity theft and residency at a different address during the period the alleged debt was incurred. 

Despite my efforts to dispute the debt and provide evidence of identity theft, IQ DATA INTERNATIONAL INC proceeded to place the collection on my credit report, which has negatively impacted my XXXX XXXX. This action occurred even after I invoked my rights under the Fair Debt Collection Practices Act ( FDCPA ) and demanded that all collection activities related to the debt cease immediately. 

I believe that IQ DATA INTERNATIONAL INC has violated my rights under the FDCPA by continuing to pursue collection activities without providing adequate proof of the debt 's validity and authenticity, and despite my efforts to dispute the debt and provide evidence of identity theft. This has caused me undue stress and financial harm. 

I request that the CFPB investigate this matter and take appropriate action to ensure that IQ DATA INTERNATIONAL INC complies with the law and rectifies the inaccurate reporting on my credit file. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My XXXX XXXX XXXX account was hacked and my personal data was compromised. XXXX XXXX XXXX is providing free credit monitoring for a year. Also, someone used my personal information to take out a XXXX XXXX XXXX ( XXXX ) loan. I went to the free credit report website XXXX different times and each time I was asked to enter my credit card to charge me {$29.00} per month. I could never get past this page to request a free credit report from XXXX or Equifax. These firms make it too difficult for the consumer and in my opinion are not abiding by the spirit of the law/agreement that they are operating under.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: AZ

Complaint narrative:
I went to a XXXX XXXX  on XX/XX/2024 to have a procedure on my XXXX XXXX. I used CareCredit for the amount of {$1800.00} and the transaction went through. This date and amount is not in dispute. 
The next day ( XX/XX/XXXX ) I went and had the same procedure but on my XXXX XXXX. The cost of this was also {$1800.00}. I used CareCredit on this transaction as well. On Saturday, XX/XX/XXXX I received a phone call from the physicians office saying that the CareCredit from XX/XX/XXXX had, in fact, not gone through and that they would like me to use a different form of payment. I used My XXXX XXXX XXXX XXXX  for {$1800.00} and that transaction went through immediately. I thought that all was well until I received my statement from CareCredit saying I owed XXXX rather than {$1800.00}. I called immediately and after a very long time waiting got through to a person that said that they had thought it was a fraud so they froze my account. Later, during the same call, the CareCredit representative said that I had frozen in the account. Not true. At that time, I began a dispute. I have since contacted the physicians office repeatedly, and they have shown me definitively that they had not received the money from CareCredit for XX/XX/XXXX. Synchrony bank/CareCredit declined my dispute. I have since reopened a dispute. 
In summary, I continue to owe CareCredit {$1800.00} for my XXXX XXXX. My XXXX XXXX was paid for ( and now paid off ) by my XXXX XXXX card. In addition, my balance continues to show that I owe {$3700.00} without giving credit to the XXXX payments Ive already made. I agreed to pay {$3700.00}, not {$5500.00}. If they are doing this to me, how many others are they doing it to and arent fighting it.?? 
Also, notice that theyve sent me a notice for late payment in the same screen that shows auto payment is on!

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Noticed that although this account was included in XXXX XXXX XXXX It is still reporting as a charge off and I am receiving updates although I filed for XXXX XXXX XXXX XXXXXX/XX/XXXX. XXXX XXXX in XXXX of XXXX but yet XXXX is still reporting on my XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: UT

Complaint narrative:
In aquiring my credit report from XXXX, I see several inquires that are not mine, I did not inquire from these companies. I am seeking help to remove them from my credit report. 
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 XXXXXX/XX/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 2024-05-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I've identified fraudulent inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've identified fraudulent inquiries 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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
Mortgage reported late on XX/XX/year> I made the payment before the last day of the month, however Freedom is stating that the payment was processed after XX/XX/XXXX. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 p 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b a creditor may not treat a late payment on a credit account under an open end consumer credit plan as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: TN

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX  XXXX {$23000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX  XXXX {$5800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$740.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX  XXXX XXXX {$280.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief