vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have contacted all 3 Credit Reporting Agencies several times about the same thing over and over again. Each has told me they have fixed the issue or the information is valid. At this point, I am now seeking monetary relief. 

My personal information is wrong, TRANSUNION and XXXX are reporting non-mailable addresses. Only address should be listed, No other address. 

My DOB is reported wrong. 

The only variation of my name should be XXXX XXXX XXXX XXXX XXXX - payment history is incomplete and is reporting the wrong Date opened date and is only reporting to XXXX. 

XXXX XXXX - is reporting to all 3 CRAs and all the information for each is reporting incorrect information such as, Account Numbers, Monthly Payments, Date Opened, High Credit, Last Reported, Date Last Active, Date of Last Payment, also the Charge-off Date, TRANSUNION reports 2 charge-off dates of XX/XX/year> and XX/XX/year> and XXXX has a charge-off date of XX/XX/year>. Payment history is incomplete. 

XXXX XXXX I have disputed this information several times they have not shown any evidence or proof of this debt and TRANSUNION and XXXX are reporting incorrect information like Date Opened, Last Reported, Date Last Active, Credit Limit XXXX Past Due, Date of Last Payment XXXX XXXX - reporting incorrect information like Last Reported, Date Last Active, Balance, Credit Limit , Past Due, Date of Last Payment, Monthly Payment, Payment History incomplete INQUIRIES - XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX They have ignored the fact I am a victim of identity theft and have been trying to repair what has been affected. With this incorrect information being reported, I have not been able to do the simplest of things to ensure my familys well-being. I will also be filing another FTC report as well. 

I am more than willing to handle this matter in court.

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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have contacted all 3 Credit Reporting Agencies several times about the same thing over and over again. Each has told me they have fixed the issue or the information is valid. At this point, I am now seeking monetary relief. 

My personal information is wrong, XXXX and XXXX are reporting non-mailable addresses. Only address should be listed, No other address. 

My DOB is reported wrong. 

The only variation of my name should be XXXX XXXX XXXX XXXX XXXX  - payment history is incomplete and is reporting the wrong Date opened date and is only reporting to XXXX. 

XXXX XXXX - is reporting to all 3 CRAs and all the information for each is reporting incorrect information such as, Account Numbers, Monthly Payments, Date Opened, High Credit, Last Reported, Date Last Active, Date of Last Payment, also the Charge-off Date, XXXX reports 2 charge-off dates of XX/XX/2023 and XX/XX/2023 and XXXX has a charge-off date of XX/XX/2023. Payment history is incomplete. 

XXXX XXXX I have disputed this information several times they have not shown any evidence or proof of this debt and XXXX and EQUIFAX are reporting incorrect information like Date Opened, Last Reported, Date Last Active, Credit Limit XXXX Past Due, Date of Last Payment XXXX XXXX - reporting incorrect information like Last Reported, Date Last Active, Balance, Credit Limit XXXX Past Due, Date of Last Payment, Monthly Payment, Payment History incomplete INQUIRIES - XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX They have ignored the fact I am a victim of identity theft and have been trying to repair what has been affected. With this incorrect information being reported, I have not been able to do the simplest of things to ensure my familys well-being. I will also be filing another FTC report as well. 

I am more than willing to handle this matter in court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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: TX

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 2024-02-17 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: MA

Complaint narrative:
I had dropped my wallet somewhere not knowing at first thinking it was in the house or something so logged into my banking app so check my purchases to see what store i couldve dropped it if it did happen to fall out of my pocket. Nothing was done on that day just the day before but online so I tried looking in my house and everything couldnt find it. Needed to get gas so I has my other debit card in the house so I log in my wells fagro to zelle my other account and see 2 different XXXX XXXX  transactions a few minutes apart one for {$26.00} then another one for over {$500.00} immediately mark my card as stolen and processed to call wells fargo. Got a new card and files a dispute told me it would take 10 days to get an update. Not even 24 hours later they updated me saying no error occurred which literally makes no freaking sense how can you conduct an investigation, get video footage and speak with store workers to see who made the charge or if anything suspicious happened during purchase in less than 15 hours. Tell me how? This bank is a joke and they do this everyone they dont investigate anything & they need to be investigated by the FEDs for the practices. Mind you they don't ask any relevant questions just do you have your card and when you noticed it stolen. This wasnt a fraud investigation if anything what they just pulled was fraud. I called after XXXX XXXX was closed so meaning they literally wouldve had to get all documents and everything from XXXX XXXX within 8 hours. I called XXXX XXXX customer service to ask how long it could take for them to get all relevant information for disputes they told me it takes weeks to get everything handled as the store managers have limited access to the back office of transaction. Wells fargo is a joke and doesnt do anything to Protect customers. No text messages for fraud potential no actual investigation this place is a joke.

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 monetary relief
Consumer complaint received 2024-02-17 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: MI

Complaint narrative:
Experian continues to report inaccurate information that is causing me serious harms. These accounts listed as XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX are all reporting inaccurately. The accounts can not be charged off with a balance due when federal law states any balance that is over a {$1.00} is due to the consumer so Experian reporting this information is a violation of federal law under FCRA when they know the information is inaccurate. Experian previously stated they removed the information and they did not. These accounts are still showing inaccurately on my credit report and Experian has failed to removed them as stated with the paperwork they sent to my home. This proves Experian is not doing what they reported to the CFPB but instead the exact opposite. Furthermore Experian is required to send opt out notice every 30 days to the consumer so they may opt out of certain information being reported. I have received no such notice. My name is also copyrighted and trademarked which means Experian would need permission from my estate to use the property. Experian is selling my information for profit as well and listed on the XXXX XXXX XXXX which means they are securitizing consumer reports and most get authorization from whom it relates.

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 2024-02-17 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: MI

Complaint narrative:
Experian continues to report inaccurate information that is causing me serious harms. These accounts listed as XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX are all reporting inaccurately. The accounts can not be charged off with a balance due when federal law states any balance that is over a {$1.00} is due to the consumer so Experian reporting this information is a violation of federal law under FCRA when they know the information is inaccurate. Experian previously stated they removed the information and they did not. These accounts are still showing inaccurately on my credit report and Experian has failed to removed them as stated with the paperwork they sent to my home. This proves Experian is not doing what they reported to the CFPB but instead the exact opposite. Furthermore Experian is required to send opt out notice every 30 days to the consumer so they may opt out of certain information being reported. I have received no such notice. My name is also copyrighted and trademarked which means Experian would need permission from my estate to use the property. Experian is selling my information for profit as well and listed on the XXXX XXXX XXXX which means they are securitizing consumer reports and most get authorization from whom it relates.

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 2024-02-17 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: Advantage Credit, Inc.
State: GA

Complaint narrative:
Hard inquires on my credit report that dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
They sued my husband for a debt with the XXXX XXXX, which could not be paid on time, without communication, then I asked the bank why the withholding and they answered that it was by order of the court, they gave me the phone number of an officer in charge of the case, who at the same time gave me the telephone number of the company that RETAINED this MONEY of my belongings, since this check was given to me by the SSa, due to my XXXX, which was delivered to me on XXXX XX/XX/2024, according to the letter that the SSa sent me, the name of the Officer is XXXX XXXX XXXX telephone number XXXX, the person I contacted is XXXX XXXX with telephone number XXXX, then he gave me by telephone a number that is XXXX and he He asked me to send copies of the latest bank account statements, which I did. I also sent him a copy of the checks from my son who serves me as a homemaker and who also charges through my bank since he does not have a bank account, for me. condition since I recently suffered a XXXX which does not allow me to work, then I sent him the copy of the letter that the SSa sent me, with the amount that corresponds to me and the monthly payment that it will give me in the future, it was refunded to me money that does not belong to my husband, which helps me maintain part of my household expenses since my husband is retired due to illness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I use to Have An Bank Account with XXXX XXXX someone stole and used my Social Security Number to do etc things with it, also I had a credit card with Capital One anytime I try to put my Social Security Number in a get denied to own anything I try to by for MYSELF. Like AN CaR that I've been trying to get and pay for without having to CO-SIGN with anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Block, Inc.
State: OH

Complaint narrative:
I use to Have An Bank Account with XXXX XXXX someone stole and used my Social Security Number to do etc things with it, also I had a credit card with XXXX  XXXX anytime I try to put my Social Security Number in a get denied to own anything I try to by for MYSELF. Like AN CaR that I've been trying to get and pay for without having to CO-SIGN with anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Chime Financial Inc
State: OH

Complaint narrative:
I use to Have An Bank Account with XXXX XXXX someone stole and used my Social Security Number to do etc things with it, also I had a credit card with XXXX  XXXX anytime I try to put my Social Security Number in a get denied to own anything I try to by for MYSELF. Like AN CaR that I've been trying to get and pay for without having to CO-SIGN with anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2024 I called Citibank to settle a charged off Best Buy credit card account. They informed me I had to call XXXX XXXX XXXX as they were handing the account. On XX/XX/2024 I called XXXX XXXX XXXX to settle the Best Buy credit card charged off account. The balance owed was {$3200.00}. I was offered a settlement of a XXXX time payment for {$1700.00}. I accepted the settlement offer and made my payment directly over the phone for {$1700.00} on XX/XX/2024. I received a verification letter to my email from XXXX XXXX XXXX before I was off of the phone call. On XX/XX/2024 Citibank reported a payment of {$1700.00} with a balance of {$1400.00} remaining. I disputed this with XXXX on XX/XX/2024. I provided the settlement verification letter. This letter includes the account information, original amount owed, the settlement offer, stated that XXXX XXXX XXXX  was granted the authority to do this and will report it to my creditor, and payment confirmation. On XX/XX/2024 will remain on my credit report as Citibank certified to XXXX the information was accurate and the item was not changed.

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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I am at a loss of words. My credit reputation is being tarnished by these errors on my credit report which are misreported. XXXX is reporting these records in violation of the FCRA. Each of these accounts is in violation of the FCRA per reason stated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: GA

Complaint narrative:
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 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. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX XXXX XXXX are not maintaining reasonable procedures.

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 2024-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I had saw an ad on my phone for XXXX XXXX XXXX XXXXXXXX XXXX XXXX  tour merchandise and had thought that they were a legitimate website XXXX XXXX XXXX XXXX XXXX I used Affirm to help pay for my order in 4 installments. I paid the full 4 installments but upon receiving the item I realized that they were counterfeit items and had reached out to the merchant from affirm for help. The merchant did not respond to my emails and so I reached out to my bank for assistance with fraud. Upon investigation, they were able to authorize a chargeback for the fraudulent item. I had thought my issue had been resolved. However, I started to get emails from affirm stating that I have an overdue balance of {$140.00}. Thinking that this was an error on their end ( since the bank had stated that it had been resolved ) I did not respond to their request asking me to pay my overdue balance. XXXX is trying to request me to pay off that loan which is now {$170.00} due to interest. I do not believe it is fair to expect me the customer to pay for this loan that has been investigated by my bank. If there's any additional information you need me to provide please let me know. I do not know who else to further contact as Affirm is choosing to ignore my emails and now my loan is being sent to XXXX XXXX and I do not wish for it to affect my XXXXredit score. Its All A Blur has now closed their website as well.I am experiencing financial hardships due to my dog suddenly getting diagnosed with XXXX and for the past few months it has been extremely hard to deal with that AND the issue with affirm which I had already thought was resolved.The balance for my account kept saying it was " overdue '' but my bank had already disputed the fraudulent purchase. Thank you in advance. The loan number is XXXX. I would like to reiterate the merchant that sold me this product sold a counterfeit item and the website is no longer in service and has been suspended.

Company response to consumer: Closed with explanation