vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-16 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: KY

Complaint narrative:
I am consumer. I am XXXX XXXX XXXX, XXXX # XXXX. This written by me and not a third party or law firm. TransUnion is obligated by FCRA to report accurate accounting consumer has advised all reporting is still inaccurate and missing data. I requested TransUnion send METHOD of VERIFICATION in 15 days three times. I have not received it. TransUnion has continued to violate my consumer protected rights. I am NOT requesting a reinvestigation and I am NOT requesting e-oscar report. According to LAW TransUnion had 15 days to provide the documentation used to verify my disputes. TransUnion must provide me with the name of the person spoken to, documentation used, consumer signed wet ink signature written. If TransUnion does not have documentation to show there were in fact accurate it must removed ASAP. Consumer is seeking monetary damages according to FCRA 15 USC 1681o, Civil liability for negligent noncompliance and 15 USC 1681n civil liability for willful noncompliance violations {$10000.00}. TransUnion commission file number XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX will be filing form 211 treasury omb form to audit consumer account. XXXX is securitizing consumer data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER 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 2023-11-16 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: GA

Complaint narrative:
I am writing to formally file a complaint against Experian located in XXXX XXXX, XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, Experian has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of Experian has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

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 2023-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United PanAm Financial Corp.
State: IL

Complaint narrative:
Company has been calling my family and friends repeatedly. They are leaving messages ( I do have a digital recording of one voicemail ). They were asked to cease phone calls to people associated with me in XX/XX/XXXXXXXX  via phone call. They call me repeatedly, daily, as much as 4 times per day. They send text messages to me although I have opted out of text services. When attempting to speak with a representative today ( XX/XX/XXXX ), she would not stop speaking over me and would not listen to me. This company took advantage of my XXXX knowingly approving a subprime loan that is not affordable and has literally stalked me via family and friends causing me extreme distress and increased medical bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: RFNA, LP
State: GA

Complaint narrative:
I am filing complaint as I found inaccurate information REPUBLIC FINANCE account. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. I have also attached the FTC report with the report number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This is the third time that this has been on my credit report from different companies. Requested information and you only sent me a bill. Nothing with my signature on it. The first company that tried to collect on this was XXXX XXXX XXXX, and it was removed from my credit report. The second company XXXX XXXX XXXX and it was removed also for my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX and Equifax said that they're already DONE doing their secondary investigationon those disputed COs that were issued on my credit files. They said they have confirmed it with thefurnishers of the information. BUT upon checking my updated credit report today, they didn't even update their comments or remarks from it. It was all the same old comments that they've had in my past credit reports. It only means that they have NOT really done any investigation after all. If they really talked and confirmed it with the creditors, they should've deleted these accounts in the first place because they have added these accounts on a wrong credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon looking on my credit report i noticed these companies on my report that i have n knowledge of and have never directly done business with. Ive mailed multiple letters asking the credit bureaus to verify that all information is correct as per FCRA Section 609 ( a ), ( 1 ), reporting accurately and that these accounts are mines and they failed to do so. I have yet to receive a response, update on my credit report and a copy of the original contract between me and creditor verifying that this is my debt and that they have the right to report anything that they decide to at anytime without it being a legit debt owed by me. I asked for these items to be deleted if they cant be properly verified, incomplete or inaccurate per FCRA law 611 ( 5 ) ( A ). In my 3rd letter i reminded of my rights to seek relief and monetary damages under Section 616 and 617 regarding their willful negligent noncompliance and disregard of my rights as a citizen in this beautiful United States. They have repeatedly failed to verify, update, send me the necessary documents requested by me based off my legal rights.

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 2023-11-16 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: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: TX

Complaint narrative:
since XX/XX/2023 ive asked for verification of written consent, ive sent certified mail of a dispute letter that according to 15 USC 1681b ( 2 ) and 15 USC 1681c-2 ( a ) my rights have been violated.

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 2023-11-16 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: DISCOVER BANK
State: TX

Complaint narrative:
Discover Bank - {$280.00} - Balance Updated XX/XX/ - This is a fraudulent and unauthorized charge on my credit report, I never authorized Discover to charge my credit and I never opened an account with them and I want this false information. I contacted them multiple times about this issue through phone calls and emails. I also put in multiple disputes with third party companies like credit karma and even with experian and this is still a standing issue that needs to be resolved. 

XXXX XXXX XXXX - {$780.00} - Balance Updated XX/XX/ Department Of Education - {$10000.00} - Balance Updated XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. 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 DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Week of XX/XX/XXXX, finding hotel for a trip, found one thru XXXX XXXX hotels, joined XXXX XXXX, dates for stay, when going to book room a promotional block came up for XXXX statement credit to apply for XXXX XXXX XXXX thru Wells Fargo. I did, was approved, received card XXXX. Used card at hotel XXXX thru XXXX. Statement received XXXX, no statement credit. Called Wells Fargo XXXX. They initiated a case. Email XXXX received. There was no promotion at this time. Called reopened new case XXXX stating above problem. Email XXXX  received, it is a XXXX XXXX responsibility they are the travel rewards company. XXXX Called XXXX XXXX, they deal with points only, ( I did receive points for stay, I can accumulate points, redeem for services etc ) they do not deal with moneys, I need to call Wells Fargo. So I did they opened a new ( 3rd )

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My Birthday has been incorrect I have been trying to fix for month I was told Equifax couldnt verify after sending ssn my dl and driver permit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
In XXXX XXXX XXXX I made an online purchase for {$580.00} with Merchant, XXXX upon receiving the order confirmation I noticed it had my old shipping address. I contacted the merchant for days and their Customer Service line said to email in they were not taking calls due to the holiday season I emailed in and by the thine the Merchant responded the package shipping could not be changed. They apologized and said they would make sure it did not ship and once it was back in warehouse issue my refund. They also offered me a 10 % discount on future orders for my inconvenience. I am not sure if they did what they were supposed to because they never followed through on the credit and Goldman Sachs Apple the card I used, I have disputed 7xs they keep closing the dispute in favor of the merchant. Saying it was delivered to the address on the order. I have submitted Goldman Sachs the email conversation where the merchant I interacted and the response in which they informed me they would get the package and apologized for the delay in my response. Now if the merchant didnt do as they said and it was delivered to my old address taht I moved why didnt they go back and get the receipt a package? Why I am responsible for this when I made every effort to get it to me and once I interacted with merchant I was assured they would do their part. I tried calling the merchant since Goldman Sachs is doing nothing for me and they said the financial institution, Goldman Sachs has to dispute it because it is over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-11-16 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: January Technologies, Inc
State: NJ

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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) 5 Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On XX/XX/XXXX I made a purchase to comedy show we were not allowed into the show due to the building was at capacity we were told by the promoter to send a email for refund which I did and XXXX advised to reach out to merchant which I did with no response I filed a dispute with my bank in which on XX/XX/XXXX they charged my account back the XXXX I reached out to the merchants and both are telling me that they dont have the funds were sent back to bank and its the bank discrestion to release my funds back the bank will not help me neither will tixr or laugh factory

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: VA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-11-16 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I received two American Express gift cards in XXXX of 2023, one with a balance of {$10.00} and the other with a balance of {$50.00} and I can not use either one online or in store. I have tried multiple merchants and websites, different amounts, and its declined every time. I tried calling the customer service number on the back of the card, but it does not offer the option to speak to a person, and the automated options are to either check your balance or report your card lost or stolen. The cards are activated ( I was able to verify that online ), but that's as far as I can get.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-16 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: NC

Complaint narrative:
My personal information was stolen XXXX, authorities were contacted, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating USC 1681. 

Ive also noticed a list of credit inquiries that I did not authorize and should be blocked from being reported due to it being identity theft, per 15 US 1681C-2. The inquiries are : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX Personal Loan Companies XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My personal information was stolen XXXX, authorities were contacted, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating USC 1681. 

Ive also noticed a list of credit inquiries that I did not authorize and should be blocked from being reported due to it being identity theft, per 15 US 1681C-2. The inquiries are : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian

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