vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
THIS COMPANY IS NOT LICENSED OR BONDED TO COLLECT IN MY STATE AND IS REQUESTING MONEY FROM ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: OH

Complaint narrative:
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 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: OH

Complaint narrative:
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2024-03-23 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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:
XXXX XXXX XXXX is reporting to XXXX and Transunion after selling consumerss alleged debt to XXXX XXXX XXXX. This corporation never had consumers permission to report private account/record, nor to report to any non-affiliated third parties. Consumer was never in contract with this company for any reason. The reporting agencies received previous disputes that fit FCRA requirements for removal. 15 U.S. Code 1681 covers several laws being violated to include willful non-compliance ( 1681n and o ). Additionally, continued reporting violates the Privacy Act of 1974.

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 2024-03-23 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: NJ

Complaint narrative:
Im a victim of identity that my dad has been breached. I sent this information to all three credit viewers and told them that I do not recognize charges and different credit cards that was opened in my name that I didnt approve or authorize, and they still insisting that its me. I told them to send me some documentation with my signature stating that I authorized to open his credit cards into authorize the charges they have not sent me back. 

Also, the investigation took well over 30 days which the XXXX states that it must be within 30 days 45 days if they run into a problem and I gave them copies of where certain things were taken off my credit report and they put it right back on so I have copies of this documentation to prove to you that these items should remain of my credit report they took it off but then they put it right back on, and thats a problem because its affecting my score is affected my whole life like Im having a hard time getting things in finance, finance and vehicles and anything my cop my daughters loans from college. Im having a hard time finance that so shes not gon na be able to go to college because I cant sign for a parent loan because they got this stuff on my credit report that needs to be removed and it was removed but they put it right back on here. Im asking that you expedite this and Im sending you copies of everything Im saying, that should not be on my credit report and Im sending you a copy of the credit report with it on there and then youll see the updated report was taken off and then they put it right back on there again

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 2024-03-23 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Im a victim of identity that my dad has been breached. I sent this information to all three credit viewers and told them that I do not recognize charges and different credit cards that was opened in my name that I didnt approve or authorize, and they still insisting that its me. I told them to send me some documentation with my signature stating that I authorized to open his credit cards into authorize the charges they have not sent me back. 

Also, the investigation took well over 30 days which the XXXX states that it must be within 30 days 45 days if they run into a problem and I gave them copies of where certain things were taken off my credit report and they put it right back on so I have copies of this documentation to prove to you that these items should remain of my credit report they took it off but then they put it right back on, and thats a problem because its affecting my score is affected my whole life like Im having a hard time getting things in finance, finance and vehicles and anything my cop my daughters loans from college. Im having a hard time finance that so shes not gon na be able to go to college because I cant sign for a parent loan because they got this stuff on my credit report that needs to be removed and it was removed but they put it right back on here. Im asking that you expedite this and Im sending you copies of everything Im saying, that should not be on my credit report and Im sending you a copy of the credit report with it on there and then youll see the updated report was taken off and then they put it right back on there again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
On XX/XX/XXXX I was notified of a debt in collections via XXXX XXXX credit monitoring alert. 

Transworld Systems Inc. sent a notice to the credit reporting agencies about a dept from XX/XX/XXXX before it was verified. I contacted Transworld Systems XXXXnc. to obtain proof of the debt because the original creditor, XXXX XXXX, never contacted me. A supervisor named XXXX XXXX refused to remove the notice on my creditor report until the debt could be verified. He threatened to endanger my credit health even though the debt is from XXXX years ago and for the amount of {$380.00}. 

The debt was settled with the original creditor, XXXX XXXX. I requested from them proof of the payment. The payment confirmation number is 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 2024-03-23 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I recently reviewed a copy of my consumer report and noticed that you are reporting an experience related to a line of credit I have with your company.

Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; The line of credit I have with your company is characterized as utilization on my consumer reports and your company is illegally reporting this experience.

Congress clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports. Therefore, you are in violation of 15 USC 1681a 2 ( A ) ( i ) by reporting this experience.

You have 5 calendar days to update my utilization to 0 % and/or delete all utilization from my account. Failure to correct this error may result in legal action and seeking monetary damages.

Thank you for prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am having trouble with Capital One 's disputes department. I opened a dispute in XXXX after being charged {$600.00} for rental car damage - even though I have a video that does not show the damage when I dropped off the car, as well as an email from the merchant stating it can't be determined that the damage was from me. That said, I've had to open the dispute XXXX times already and the disputes team keeps closing it out for reasons that have nothing to do with a resolution one way or another.

The XXXX  time, they said they had to recode it under another code - whatever that means - I still had to call back and reopen it.

The XXXX time, they said they did not receive my documentation, which I mailed to the address on the dispute form and sent them a copy of when I reopened it the XXXX time. 

The XXXX  time they told me that I was indeed issued a credit from the merchant - which was not untrue except the credit had nothing to do with the dispute ( it was the difference between the hold put on my card when I picked up the car and the actual charges incurred when I dropped it off ) and was clear if they looked at the detailed invoice I sent them. 

And the XXXX  time, I was told I did not submit the documentation again - after I submitted it no less than XXXX. 

I also sent multiple emails to the CEO and was contacted by the executive escalation team, which opened the dispute for the XXXX time, and no further action has been taken. They refused to give me contact information to follow up and my phone calls requesting updates result in me sitting on hold for hours while they ''research the case '' until the call is mysteriously disconnected. 

I am now of the belief that the barriers in the process are not meant to be overcome. I have a XXXX XXXX XXXX  and XXXX  years of business experience and if I can not get through this process, I can't imagine how many other people are struggling with the same thing. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: IL

Complaint narrative:
I RECEIVED A COPY OF MY MOST RECENT CREDIT REPORT AND SAW ACCOUNTS REPORTING THAT I DO NOT RECOGNIZE

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 2024-03-23 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: IL

Complaint narrative:
I RECEIVED A COPY OF MY MOST RECENT CREDIT REPORT AND SAW ACCOUNTS REPORTING THAT I DO NOT RECOGNIZE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to follow up on my previous communication and to dispute the accuracy of information you have reported to the credit bureaus for my accounts, specifically those ending in XXXX and XXXX. This dispute is raised in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which ensures the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

As previously communicated and in accordance with your request, I have already provided all necessary documentation to support my dispute. This includes a copy of my most recent credit report indicating the items in question, my Social Security number, the complete account numbers for the disputed accounts, and documents substantiating my claim that the reported open date, date last active, and last payment are inaccurate for both accounts. 

Despite providing this documentation, the inaccuracies remain unaddressed on my credit report, which leads me to reiterate my concerns under specific provisions of the FCRA : 15 U.S.C. 1681 section 602 ( A ) grants me a right to privacy concerning my financial information. 
15 U.S.C. 1681c ( a ) ( 5 ) restricts reporting of adverse information beyond seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) obliges furnishers to ensure the accuracy of the information they report to credit bureaus. 
The persistence of these inaccuracies on my credit reports is concerning and, I believe, violates my federally protected consumer rights to privacy and confidentiality as stipulated by the FCRA. I am seeking an immediate investigation into these matters and the correction of the disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
A Citibank American Airlines Advantage credit card was opened without my authorization. I called the bank to report the unauthorized charges and account opening. The bank initiated an investigation where the bank claims that the charges were valid and that I had to submit a payment by XX/XX/2024. Throughout this time where the account was in dispute and under investigation, I was advised by Citibank to avoid submitting any payments to the account. Towards the end of XX/XX/2024 the bank issued a letter stating to pay on XX/XX/XXXX where I proceed to submit a payment on XX/XX/2024 to be on-time for my payment. Citibank decided to report to the credit bureaus that I was past due XXXX even though I was compliant with their request.

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 2024-03-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Ive had a dispute with XXXX over the wrong item for XXXX  months. XXXX phone calls later they have not resolved it because they can not find my account and I have a screenshot of that uploaded here from photos. Chase closed the dispute despite phone calls and letters XXXX doesnt respond specifically despite many phone calls. Its insane! I complained to the attorney general and everyone ignores that. XXXX is a crooked company which should be antitrusted yet we are expected to pay for merchandise even after requesting a smart label to facilitate return because no-one keeps records and deliberately confuse the issue so youre exhausted and just pay due to the enormous use of time to make a correction or attempt a communication to correct the record. Chase ignores that fact and recharges your account despite letters. We are being abused by a system designed to charge consumers no matter what the consumer does.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
I was locked out of paying my loan through one main. When I try to make payment my response is my account is closed. Dont know why. Some Im stuck with the debt. I dont receive any information from them at all not even a bill. Also they dont accept my monthly payment through my debit card. They make it impossible to pay them also I signed up for the insurance they have when you cant make a payment for that particular month but I get nothing from them about that. Its like Im just flying blind with them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are a numerous amount of accounts, and inquiries on my reports that I never applied for or given any authorization to do so.

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 2024-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I got a loan with them when signing my loan the loan officer just scrolled thru everything sign her sign her never let me see what I was signing and made up reasons of what I was signing Ive paid for more than a year now and Ive only knocked off XXXX dollars of the loan which is ridiculous. I got insurance on it incase I was unemployed so I was and I tried to use it and was told I couldnt so I am paying extra a month for a service I couldnt use.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 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: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief