vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 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: FL

Complaint narrative:
I went to check my report because Ive been working on building credit for my business and so I can get a car when I graduate and was saddened by this false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX is beingvreported as late. This is inaccurate and there is only one XXXX XXXX account. My credit reportvshows two seperate accounts. Please see attached document from creditor that reflects the inaccuracies that show on my report. 15 U.S.C. .C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY. 15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. 

Attachments

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX is beingvreported as late. This is inaccurate and there is only one XXXX XXXX account. My credit reportvshows two seperate accounts. Please see attached document from creditor that reflects the inaccuracies that show on my report. 15 U.S.C. .C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY. 15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. 

Attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: MI

Complaint narrative:
XXXX XXXX is beingvreported as late. This is inaccurate and there is only XXXX XXXX XXXX account. My credit reportvshows two seperate accounts. Please see attached document from creditor that reflects the inaccuracies that show on my report. 15 U.S.C. .C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY. 15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

Attachments

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 2024-10-01 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: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
XXXX sent me a notice that CB Indigo has pulled my credit report without my knowledge. I do not want their credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I, XXXX XXXX am writing this letter in regards to my stolen prepaid card that was sent to my residence. The card ending in XXXX was never received by me. I asked that the security department of Bank of America do its due diligence by checking camera footage at any atm machines funds were withdrawn from. I never used, nor received the prepaid card that was mailed to my address at that time. I have filed a police report for the matter as well. 
Initially, I thought my claim was denied by UIA since I hadnt received any communication or funds from UIA.

I only was made aware funds were dispersed when I contacted UIA for an update. 
I never received the card and Ive been railroaded in between Bank of America prepaid card services. 
This situation took place at the height of UIA fraud. Fraud related to UIA was worldwide and Bank of America was well aware of the matter. This is all the more reason why my case should be taken more seriously.

The offices of UIA Michigan have told me to take matters up with Bank of America prepaid services.

My claim has been denied twice and I was told it was simply because the perpetrators used my credentials such as my Social Security number to activate the card. Denying my claim simply because someone used my social security number to activate the stolen card is wrong considering the amount of access criminals have to get victims ' personal information. I had no idea that my funds were being issued on a prepaid card. 
I am owed {$14000.00} in benefits that I never used.

I have been told something different by each representative at Bank of America I've spoken with whenever I called.

This has been an awful experience and I have gone into the branch to verify myself and fax over all of the documents I was asked to send. This is the third time theyre reopening my investigation. Im sure theyll find another reason to deny paying me. 
My claim number is XXXX and the date I filed the claim was on XX/XX/XXXX. The funds were stolen between XX/XX/XXXX - XX/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 2024-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
So Ive had this American Express account for years that I dont really use, just every now and again to keep the account open. I am moving soon and logged into my account to change the billing address this morning to see that my account was marked cancelled. I had not received any warning about this either before or when it happened, just saw it coincidentally today when I went into the app to do something else. I got on a customer service chat, initially just asking them to undo the account cancellation but was told that was impossible and it was recommended that I apply for a new card but I said it wasnt interested in that solution bc it would also put a hit on my credit. Then I asked when the account was closed and was told XX/XX/XXXX. I said that I hadnt been notified of this closure and the person replied that they had emailed me on XX/XX/XXXX ( they later supplied the text of this letter in the chat ). I have a lot of emails so it wouldnt have been impossible for me to have missed that email but when I checked ( all my inboxes including trash and spam ) there was no such email and the most recent email I had from American Express had been from XXXX and about a promotional offer. When I told them this they kept reiterating that the email was sent - which I am not arguing bc I cant prove that it wasnt ; I am merely stating that I did not receive it, nor another they reportedly sent when the account was actually closed. The customer service person reiterated that the email had been sent and there was nothing they could do or anyone I could speak to, but when I mentioned filing a complaint with the CFPB I was put in a chat with the supervisor. This person was also not helpful as they reiterated the same information from the first one. They did, however, add that while they receive undelivered notifications for physical letters, they do not receive the equivalent for emails. I am just frustrated bc I am being told there is no way to rectify the situation, so there is going to be a hit to my credit ( from the closure of an old account ) and while likely not huge, it cant be right that I have to pay the consequences for the closure without having been allowed the opportunity to prevent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit 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: Comerica
State: IL

Complaint narrative:
In XX/XX/XXXX I discovered a fraudulent charge of {$120.00} on my Direct Express account since XXXX of XXXX. I reached out to XXXX regarding the charge, and after an investigation, XXXX confirmed that they had no record of the transaction, or any related account tied to that charge. Despite XXXX 's statement that they did not make the charge, the {$120.00} remained on my Direct Express account. This account is connected to my Social Security Account. 
In XXXX, I successfully received a refund of {$170.00} for the same charge of fraud on my account, for the same issue. However, despite XXXX 's confirmation that they did not authorize the {$120.00} charge, Direct Express denied my request for a refund. They cited a 120-day statute of limitation for disputing transactions as the reason for the denial, even though fraudulent transactions typical do not fall under such limitations. Direct Express requested receipts for a fraudulent charge. This refusal to refund my {$120.00} persists despite evidence of fraud. 
LEGAL DISPUTE Truth in Lending Act ( TILA ) - 15 U.S.C sec 1601 et seq. Credit card fraud protection is not subject to the 120-day time limit, because fraud is considered an exceptional circumstance.

Regulation E. 12 C.F.R Part 1005 Implements the EFTA. Liability for Unauthorized Transactions. Regulation E protects consumers who experience unauthorized transfers or withdrawals from their account. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a federal court ruled that banks must thoroughly investigate fraud claims and can not rely solely on arbitrary time limits to deny legitimate disputes involving fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-01 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: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
My credit limit was {$590.00} when I filed a fraud complaint with them earlier this year... .Now they are saying I owe {$1000.00} as of XXXX XXXXThey have been charging me a late fee of {$40.00} every month and my card was closed months and months ago ... .I thought Congress passed a late fee bill of {$8.00} ... .This is clear cut extortion and fraud on their end... I'm not paying when I didn't charge on the card ... .Please help and report this company to the public

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 2024-10-01 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: IL

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I have student loans on my credit that I know nothing about

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: GA

Complaint narrative:
I am reaching out to report a fraudulent inquiry on my credit report. 
The inquiry from XXXX XXXX on XXXX was not authorized by me and appears to be linked to identity theft. I request that this inquiry be DELETED immediately and that my report be corrected. '' I exercise my RIGHTS to have this Item DELETED IMMEDIATELY. If you dont DELETE SAID INQUIRY in 5 business days. You will be in violation of law according to 15 U.S. Code 1681n - Civil liability for willful noncompliance. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.I am again revoking any permissions given verbal, nonverbal, written, unwritten, implied or otherwise. This is Identity theft! According to 12 CFR 1022.3 Definitions : " identity theft means a fraud committed or attempted by using the identifying information of another person without authority. '' and most certainly do not have my authority.

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 2024-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Eagle Recovery Associates, Inc.
State: WI

Complaint narrative:
Although I don't think the subcategory I clicked is correct they failed to disclose they are a debt collector. 

Phone call was received by the number ( XXXX ) XXXX, at XXXX XXXX  on XX/XX/year>. Phone call was declined and a XXXX second voicemail was received stating " This is XXXX XXXX calling from XXXX. Please call me or an associate at XXXX ( XXXX ) XXXX extension XXXX. Thanks. '' They did not state they are a debt collector, they listed an acronym for their company which is very deceptive. This is in direct contradiction with the Federal Debt Collection Practices Act ( FDCPA ), United States Code 15 U.S.C. 1692-1692. They must disclose who they are and the purpose of this phone call, i.e. this is an attempt to collect debt.

Company response to consumer: Untimely response
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief