vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-23 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: IL

Complaint narrative:
This company is reporting multiple late payments that are erroneous and unverifiable When I call them, they tell me that there is nothing that can be done. They leave me long times and promise for supervisors to call me back that never do. 

Staying on the phone for more than an hour I had let this company know that they were in violation of the federal law and they did not care one bit I let them know that 15 USC 1666B states the following : Section a states : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including information required by section 1637B of this article is mailed or delivered to the consumer not later than 21 days before the due date During my investigation, I asked everyone I came across if they could provide me with the tracking number of the periodic statement that was mailed or delivered 21 days before the payment due date along with the information required by section XXXX637B, They kept repeatedly telling me that there is nothing they are going to do I personally believe that the audio calls can be accessed from my call, well, showing up supporting evidence that this company is in violation of consumer laws, Specifically, the FCRA 15 USC 1681a, 15 USC 1681S-2, 15 USC 1681N , And timing of payments 15 USC 1666B I dealt with the following people XXXX Employee XXXX XXXX XXXX Employee XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to disputed account on my credit report that were made withot my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ) THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I dis not uthorize these account and can not find any permissible purpose under this section that justifies their presence on my report, ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to disputed account on my credit report that were made withot my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ) THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I dis not uthorize these account and can not find any permissible purpose under this section that justifies their presence on my report, XXXX XXXX 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 explanation
Consumer complaint received 2024-08-23 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I got scammed on XX/XX/XXXX and my bank hasnt done nothing about it and this was with Truist banking Ive called multiple times about this and they launched an investigation just for me not to be refunded. I got scammed out of XXXX dollars from two separate transactions one from an XXXX gift card from XXXX dollars and another XXXX gift card XXXX dollars so Ive been calling for a straight XXXX weeks they closed my case XX/XX/XXXX after I literally was so emotionally feeling helpless about this whole situation and I still do it feels like they want me to XXXX XXXX what happened.

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 2024-08-23 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: OK

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-08-23 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: Experian Information Solutions Inc.
State: OK

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 explanation
Consumer complaint received 2024-08-23 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: TX

Complaint narrative:
I HAVE SENT AND REQUESTED THE removal OF fraudulent identity THEFT ACCOUNTS FOR THE LAST YEAR. XXXX REFUSES TO DELETE AND INVESTIGATE INFORMATION. THEY WILL NOT ADHERE TO MY FTC identity THEFT REPORT OR MY POLICE REPORT THAT VALIDATES THAT I AM AN VICTIM OF IDENTITY THEFT. XXXX IS NOT investigating DISPUTES, THEY JUST CONTINUE TO SEND SAME PAPER SAYING IT WAS DISPUTED. PLEASE INVESTIGATE WHY XXXX REFUSES TO ADHERE TO THE GUIDELINES PUT IN PLACE FOR identity THEFT VICTIMS.

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 2024-08-23 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: TX

Complaint narrative:
I HAVE SENT AND REQUESTED THE removal OF fraudulent identity THEFT ACCOUNTS FOR THE LAST YEAR. XXXX REFUSES TO DELETE AND INVESTIGATE INFORMATION. THEY WILL NOT ADHERE TO MY FTC identity THEFT REPORT OR MY POLICE REPORT THAT VALIDATES THAT I AM AN VICTIM OF IDENTITY THEFT. XXXX IS NOT investigating DISPUTES, THEY JUST CONTINUE TO SEND SAME PAPER SAYING IT WAS DISPUTED. PLEASE INVESTIGATE WHY XXXX REFUSES TO ADHERE TO THE GUIDELINES PUT IN PLACE FOR identity THEFT VICTIMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have opened an account and requested a new credit card from American Express. 

The Credit CARD never has been delivered at my home, I never received or used it But on XX/XX/2024, I received a call form AMEX about suspicious activity in my credit card ( the one I never received ). I prompt denied all the purchases but they made me stay more than 3 hours over the phone while they were trying to solve the situation. 

AMEX was not able to solve it or cancel the card in that moment and appeared in my account almosXXXX XXXX $ XXXX in purchases that I had never done. 

I had to call them to ask what happened, they open a Fraud Dispute. It took more than 45 days to be analyzed and Denied with no reasons. 

During this period, I have been talking with them by Chat and proving the information requested again and again and they are only promising that they will solve the case. 

Nothing has been done, and then, I received a letter denying my case. Again, I tried to call them but they are asking me everything again and again but I do not believe more in the support and that they will really solve the case. 

Now, I have a statement of XXXX $ XXXX to be paid by XXXX, XXXX. I do not see any serious engagement from AMEX to solve it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Arthur B. Adler & Associates, Ltd
State: TX

Complaint narrative:
Calling using different numbers. Contacted my daughter in-law with a recorded message indicating I was being served. 
When I called their office I was badgered by the same representative three times in a row.

There is no collections outstanding for me.

I have clean credit records with all three reporting agencies.

Tactics involving contacting other individuals must stop.

Contacting me in any form must stop. 
No one is listed as a co-creditor ever for any credit in my lifetime. 
This is fraud and abuse!

Company response to consumer: Untimely response
Consumer complaint received 2024-08-23 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: VA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records 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 2024-08-23 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: VA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records 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 explanation
Consumer complaint received 2024-08-23 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: PA

Complaint narrative:
I pulled a copy of my credit report and noticed fraudulent inquires that I did not originate, and need to be deleted immediately. It is my understanding that pursuant to 15 USC 1681c-2 these inquiries must be deleted from my consumer report.

Please attached Identity Theft 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 2024-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GREENSTATE CREDIT UNION
State: IA

Complaint narrative:
I have a loan problem with green state credit union. I had cosigned with my daughter to get the loan on the car. Evenly she took the car to bankruptcy in XX/XX/XXXX. She was unable to afford it any longer. According to XXXX XXXX the loan was closed on XX/XX/XXXX, for {$9700.00}. I then received another paper showing on XX/XX/XXXX, your green state credit union automotive account was closed. They keep telling me that I owe them {$9700.00}. By having this on my credit report is giving me a low score and is keeping me from getting a house mortgage. I have on several times disputed this XXXX XXXX but no success. I also have a report showing it was closed as an auto loan with joint responsibility. It also states that it was a charged off as bad debt and profit and loss write off on XX/XX/XXXX. That are green state credit union. XXXX XXXX XXXX. XXXX XXXX Iowa XXXX XXXX. XXXX. I would just like to get this cleared up and off my record as I can move forward. Thank you and please keep in contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC
State: IL

Complaint narrative:
When originating my mortgage in XXXX of XXXX, I waived my escrow account requirements and was going to pay them on my own, out of pocket. My previous lender servicer, XXXXService Mac , who will be referred to as XXXX XXXX had paid the property taxes for my parcel when they became due or past due. On XX/XX/XXXX the servicing was then sold to XXXX XXXX who will be referred to as XXXX XXXX with an escrow shortage. And a forced escrow account which increased my payment ~ $ XXXX XXXX XXXX informed me that the property taxes were in fact not paid and that I was delinquent XXXX. They setup an escrow account to collect for the allegedly owed property taxes ( {$15000.00} ) that were paid by XXXX XXXX already. Now my escrow account is double short ( ~ {$25000.00} ). My payment has gone up from ~ $ XXXX to over $ XXXX. 
When contacting XXXX XXXX multiple times about this, they informed me that the taxes were paid to the wrong parcel leading to interest charges from county as well. XXXX XXXX did not provide with clear explanation for each property tax payment made and advised to wait up to 90 days for it get resolved/researched XXXX XXXX meanwhile I have to continue make escrow payments for taxes that were made in error to incorrect parcel making my escrow account go XXXX negative. I called and spoke with XXXX XXXX  XXXX  times and did not get any clear information on the resolution, neither managers or supervisors provided a clear path to get his resolved.

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 2024-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
The sales said that he could give me a light in my back yard and a doorbell with a camera. I dont have a back yard light and it was really concerning to me. I saw another guy putting a light on the front and told him that that is not what the sale person and I agreed on, that the sales person said the light would be on the back. So I THOUGHT it was done that way until a week later when my daughter came to see me, she checks the mail once a month and saw the camera on the front of the house. The sales person said that it would be {$60.00} dollars a month for the doorbell and the light in the back. I told him I am on social security and taking care of XXXX grandchildren and we don't need any extra large payments or hits on my credit. I figured I could handle {$60.00} a month payment for the light and doorbell. I have been sick, I am a little shaky and loose my balance some so the young man helped check the boxes on his tablet for me. I asked what it was saying and he said that I would be talking to someone on his phone just to verify it is me since I have no drivers license that it was for my security. I didn't not have a physical divers license. The man on his phone verified it was me. I didn't know that I was financing a loan or cameras and light, he never said that, until I got a credit card in the mail. I didnt appove of cameras on the house. I didn't know I had cameras on the house, what the man and i agreed on was a doorbell and a light in the back for {$60.00} a month. I want them to take this credit card off my credit and put if back the way it was. I want them to take these cameras off the house and leave me the doorbell and the back light. I have been swendled. Do what you said you would do and keep your word.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2024-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX received a copy for a judgement through mail. Was never served properly for the summons. Called the company made payment arrangements took the payment and told by the representative I did not have to go to court as that would be not going through since set up arrangement even made payment before court. On Friday XX/XX/XXXX received notification from court on full amount saying I have a judgment even though already paid and have auto payments being taken out. I was guaranteed no court and no judgement since able to settle prior to moving forward. They are not honest and even tried calling my job to scare me into paying as though theyd let my job know.

Company response to consumer: Closed with explanation