vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-11 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: NY

Complaint narrative:
I reviewed my consumer reports and notice that I had two late payments on an account that i was never late for. the consumer report agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in XX/XX/year> and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. if proof can't be provided proof with statements showing that these payments were late. if proof can't be provided I demand these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! please see screenshot attached :

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 2024-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-06-11 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: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I filed a claim with Wells Fargo against a merchant named XXXX XXXX XXXX. They admitted to charge me {$150.00} using my information. XXXX XXXX XXXX never give me the service. I filed the claim with Wells Fargo and explained the situation, and unfortunately the merchant able to convinced Wells Fargo that the charge was authorized by me. This is a fraud case. The merchant was literally forged my information so they are able to charge me and lied to them saying that I gave them permission. But, I have my conversation via text with the merchant stating that they admitted that they did the unauthorized charged and unable to have it reversed or cancelled. I provided that evidence to Wells Fargo and told them to see the reviews on the XXXX about the merchant. There are so many victims of fraud like me and I am not the only one. Unfortunately, Wells Fargo let the merchant get away with the fraud. Until now, Wells Fargo refused to reimburse the {$150.00} of the unauthorized charge that the merchant did. Thank you!

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 2024-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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. Please see attached file for these items I am complaining.

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 2024-06-11 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: FIRST NATIONAL BANK OF OMAHA
State: TN

Complaint narrative:
My credit card was lost or stolen sometime on and or around XX/XX/XXXX because I used my credit card to purchase XXXX XXXX of {$840.00}. This was the only transaction I made XX/XX/XXXX. All charges from XX/XX/XXXX - the entire month of XXXX were unauthorized. I contacted FNBO about the unauthorized charges XX/XX/XXXX and an investigation was started about these numerous about of transactions, which FNBO put into dispute on my billing statement. I informed FNBO my credit card and other personal, cell phone, and information had been compromised because I had several other accounts that unauthorized charges, and FNBO was not the only account. FNBO responded to the dispute in a letter dated XX/XX/year>, which I received XX/XX/XXXX stating my claim had been denied and I participated in these transactions. Please see the attached statements for the transactions. I called FNBO to discuss this further. The fraud representative told me a few notes documented on a few of these transactions and to contact each merchant. The fraud representative told me I stayed at a XXXX XXXX XXXX. I have never stayed at a XXXX XXXX XXXXXXXX ever in my life. The infomation FNBO collected is wrong and incorrect.

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: FL

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. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX I filed a complaint here XXXX stating this was not my debt on XX/XX/XXXX H & R accounts XXXX XXXX Direct of operations responded stating this was my debt on XX/XX/XXXX XXXX XXXX  and myself had a verbal conversation regarding debt validation of the these XXXX accounts. He stated to give him 2weeks and he would send me the validation.. I didnt receive any information from him regarding this debt. On XX/XX/XXXX H & R Accounts attached another debt to my credit profile without validation of first debt on my credit profile I sent a certified letter to XXXX & XXXX accounts for debt validation of this account needing response in 15 day XXXX XXXX  never responded to my request. I call on XX/XX/XXXX requesting to speak with XXXX XXXX I was told he would return my call he never did so on XX/XX/XXXX @ XXXX I call again this time I had a verbal conversation with XXXX XXXX XXXX to apologize for not responding to my validation letter he received, he stated to me that he forgot to get to it ( violation ) on his part he went on to state that being that it was the end of the month he would contact all 3 credit bureaus to have these accounts immediately deleted these accounts are still present on my credit report this inaccurate information has cause me tremendous hardship and stopping me from obtaining a home car and employment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: GA

Complaint narrative:
I am requesting the removal of a XXXX account from my credit report under the Fair Credit Reporting Act ( FCRA ). The account contains inaccurate information. 

Under FCRA 611 ( a ) ( 1 ) ( A ), I have the right to dispute inaccuracies on my credit report. Despite my efforts to resolve this, the incorrect information remains and affects my creditworthiness. 

The XXXX agency has not provided adequate verification of this debt as required by FCRA 611 ( a ) ( 7 ). Given the lack of proper verification and inaccuracies, I request the removal of this collection account from my credit report. 

I have filed an FTC XXXX XXXX  Report regarding this account ( copy attached ).

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 2024-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recovery Associates is the debt buyer. A year ago I asked for proof that it was my debt. They could only send me the itemization of delinquent payments since XXXX. This is when they took over the account. I asked who was the original company that claimed the delinquency. They could only tell me XXXX XXXX  and the account number. I tried calling that bank to get information and they could not help me being that the so called debt was sold to Portfolio Recovery Associates. All my other accounts on my credit report I can see very easily when my payments were made and if late or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime card is fraud and take to use XXXX XXXX my account and chime card take money XXXX and both XXXX XXXX and Chime Deny Chime opening new account my name and after complaining this account close my refund unbelievable XXXX cents refund wheres is XXXX dollars they responsible to back money refund

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
The car had been wrecked and I was not made aware initially. Also I lost my income and had trouble making payments so the companys solution was to raise my payments instead of lowering them giving me the opportunity to try and pay them and keep from losing my car and all the money I had already paid on it. I wasn't giving the chance to remove my personal belongings before it was repossessed. I've applied for XXXX, have no income and haven't had steady income since I lost that car. I can't financially pay balance owed. I feel by them increasing my payments instead of lowering them they were forcing the situation to achieve a repossession. And didn't genuinely regard all the time and money I had invested in paying for the car and helping me to apply it off. I called and asked one time what was left o wed on the car and was told a higher amount that actually was owed. So this company had some shady practices and in the repo business

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 2024-06-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: OK

Complaint narrative:
On XX/XX/XXXX someone unlawfully requested and received a Direct Express Debit Card ending in XXXX. 
In XXXX of XXXX I was forced to go back to Direct Express ( this is where I receive my monthly social security benefit check ). I received card ending in XXXX. Within XXXX hours of learning that card ending in XXXX was issued XXXX months prior, the card was stolen. I reported this immediately to Direct Express. According to Direct Express '' s mobile app this card is associated with my current card and as recent as XX/XX/XXXX this card shows debit activity. The same thing for another debit card ending in XXXX. That card was reported lost/stolen in XX/XX/XXXX and shows debit/adjusted credit and debit activity as recent as XX/XX/XXXX. The dates correlate to when I have physically changed geographic locations. More concerning is the fact that Social Security shows " multiple payment accounts '' in conjunction to how and where my monthly benefits are direct deposited. I recently submitted a complaint about missing refunds from XXXX that were supposed to be credited back to my direct express debit card but have mysteriously " disappeared ''. I just received two letters from an " advocacy group '' representing themselves as representatives from Direct Express but the letters have the incorrect XXXX  numbers associated with my complaints as well as a New York number when in fact Direct Express is located in XXXX XXXX Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am writing to dispute the following information in my file. The account/public record Im disputing is as follows : HSN / Synchrony As I have told you previously, and as well as in the dispute, this account has serious discrepancies and is inaccurate. I dispute the issues with the payment history including ( 1 ) the number of past due payments for each of these accounts varies across your files in previous years as well as all other credit bureaus. ( 2 ) the dates of the past due payments for each of these accounts vary across your files in previous years as well as all other credit bureaus. ( 3 ) the number of derogatory days ( status codes ) for each of these accounts varies across your files in previous years as well as all other credit bureaus. ( 4 ) A Charge Off ( CO ) cant be used/counted as a late payment.

When I disputed this account, HSN / Synchony showed 14 past due payments with dates and status of ( XXXX 30 days ; XX/XX/XXXX 30 days ; XX/XX/XXXX 60 days ; XX/XX/XXXX 90 days ; XX/XX/XXXX 120 days ; XXXX XXXX  days ; XXXX XXXX  days ; XXXX XXXX  days ; XXXX XXXX days ; XXXX XXXX  days ). The fact that Charge Offs ( CO ) is used to determine as a late payment, it is illegal ( they cant be counted ). The payment history for this account shows no late payments, nor payment history listed on XXXX after disputing the same information. All credit bureaus payment history should be identical for the account, which it isnt.

It was only after I disputed this information and ask for it to be removed from my file, did you allow the company to update the information with new payment history, late payments, the dates of late payments vary again along with new status codes now ranging from " CO '' days. This account was reported Charge Off ( CO ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX making it appear that this just happened, but the actual date was XX/XX/XXXX and it was done purposely. This company changed a crucial part of my payment history to look as though this account just closed even though it was over 4 years ago. This is a blatant re-aging process which your company continues to allow. Enclosed is documentation supporting my request : my credit reports from all credit bureaus, with the disputed items both circled and highlighted. You will find previous copies of your credit files showing the payment histories, including number of late payments, dates of late payments, status codes of late payments. All of these are still inaccurate as they were before for the reasons listed above. It shows you have allowed the company to shift the payment history around along with dates, as well as derogatory ( status ) codes.

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 2024-06-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C.
State: AZ

Complaint narrative:
They are claiming that they can collect a debt for {$710.00} for a utility company thats not mine. Ive never heard of the utility company. When asked them for proof that this was my debt they wont send me anything and will update the debt as derogatory on my credit report. They are also lying about the dates, since they keep updating derogatory to hurt my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: CA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: CT

Complaint narrative:
I have repeatedly contacted your bureau regarding my identity theft status, but my concerns remain unresolved. Despite submitting the required FTC complaint, your bureau still reports these fraudulent accounts on my credit report. I have contacted the banks involved, submitted all necessary documents, and they have deleted the accounts from their records. 

Other credit bureaus have also removed these accounts following the FTC complaint. Therefore, I question the verification process your bureau used to continue reporting these fraudulent accounts. Once again, I am disputing the fraudulent information negatively affecting my credit file. 

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