vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Urgent Matter - Identity Theft and Credit Profile Concerns DO NOT IGNORE Dear XXXX, Transunion, XXXX, I am XXXX XXXX and I find myself in a distressing situation that requires immediate attention. My identity has been compromised, leading to significant damage to my credit profile. Despite seeking help repeatedly, my efforts have not yielded the resolution I desperately need. 

I am writing to address the unauthorized use of my social security number and card, which has resulted in accounts being opened without my consent. I want to emphasize that I did not authorize these accounts, nor do they have any connection to my actions. This situation is particularly alarming as it not only affects me but also jeopardizes the well-being of my children and my livelihood. 

I kindly request that you promptly remove this damaging information from my credit file within four days of receiving this letter, in accordance with 15 U.S. Code 1681c2.

Furthermore, as a consumer, I am entitled to know the steps your agency has taken to ensure the accuracy of these items, as outlined in 15 U.S.C. 1681i ( 7 ). I request a thorough description of the verification process, including the business name and address of any furnisher of information contacted, along with their telephone number if reasonably available. Please provide this information within 15 days of receiving my request. 

I urge you to take immediate action to rectify this situation by removing all unauthorized accounts associated with my name. 

Sincerely, 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 2024-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, I will seek legal action against you guys.

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 2024-02-02 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:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, I will seek legal action against you guys.

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 2024-02-02 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: TX

Complaint narrative:
Equifax promise to me verbally over there phone that three accounts will be blocked/removed off my credit report and but they are still on my report and the dispute is taking more than 30 days on there end and a possible glitch on my credit report The accounts that are supposed to be one to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the number they gave me

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

Complaint narrative:
Called to get my information updated and was not successful. I spoke with a angency from experian and they stated this would be corrected. But has not done so Also my information tht is reported is causing me not to have fair credit as a right I should have all banks and lenders have denied me Ucc 15 1692a

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 2024-02-02 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: Chime Financial Inc
State: TX

Complaint narrative:
I received alert messages from my bank for unauthorized transactions and I replied to them no I did not make the purchase and they are fraudulent. One transaction did go through so I called Chime customer service to report it, my debit card got blocked and a new one is on the way. Once the transaction posted I called back to dispute it, and in less than 24 hours Chime denied the claim and now im responsible for a transaction I did NOT authorized, I did NOT know who did it and I did NOT recognize the website.

I then contacted Chime to appeal their decision because I cant afford to loose money I didnt allow anyone to take and in less than 2 hours they denied my claim for a second time. I asked for details about their decision but they cant provide me with any over the phone and asked me to wait 10 business days to receive a letter from them. Im a XXXX XXXX and that money they STOLE was for my rent.

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

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2024-02-02 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2024-02-02 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: GA

Complaint narrative:
My daughter had a XXXX visit in 2023, and paid my co pay with credit card. Unbeknownst to me at the time, the receptionist accidentally ran my card and paid someone elses bill in the amount of {$550.00}. I contacted the credit card company and they refused to assist in anyway to reverse fraudulent charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Since the inception of this credit card, there have been questionable practices. I experienced a dispute that extended over 15 months, during which I was consistently charged interest. Despite the understanding that the disputed amount would be credited until resolution, it was never applied, resulting in continuous accruement of interest. The matter was resolved after 18 months, but I never received the interest refund, and regrettably, it slipped from my attention.

Subsequently, I encountered an issue with paying a bill through my bank checking account. Oddly, although I selected a specific account for payment, the credit card company attempted to draft from a different payment source on file. While this scenario seemed unlikely, as I am the only one who could have made that selection, there were discrepancies. Typically, I receive notifications specifying the account from which a payment was received, but for this particular transaction, the notification only displayed the amount. Despite speaking with an agent who acknowledged the questionable activity and refunded one charge, the issue persisted. Though the agent couldn't provide an explanation, I assumed the matter was resolved. 

However, additional charges continued to appear even after reaching a {$0.00} balance. I paid a subsequent {$130.00} charge, but then noticed an additional {$13.00} labeled as interest, seemingly billed at an unusual time compared to the previous month. The billing date shifted from the XXXX to the XXXX in XXXX. 

I strongly believe this company should be investigated for fraudulent practices. Despite abstaining from using the card since the {$600.00} payment, unwarranted charges persist, causing considerable distress. I seek assistance in resolving this matter promptly, or possible class action suit, because I can't be the only person having problems with this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I noticed unauthorized inquiries on my credit report. 
XXXX XXXX XXXX XXXX Capital one bank XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
LAST TRANSACTION:XX/XX/24- {$55.00}. TRUIST HAS FRAUDULENTLY TAKEN MONEY OUT OF 2 OF MY ACCOUNTS FOR MAINTENANCE FEES ( UNAUTHORIZED ) PAYROLL FEES FOR APPROX. 4 YRS. ( THIS HAPPENED UNDER SUNTRUST BANK PRIOR TO THE MERGE W/BBT BANK DURING COVID-PANDEMIC-WHEN BANKS WERE CLOSED AND ONLY DRIVE-THRU WAS OPEN ) .PER THE BRANCH MANAGER-XXXX  XXXX, I ENTERED THE BRANCH ON XXXX XXXX GA & SHE ALONG W/BANKER XXXX SET UP SERVICES TO INCLUDE PROOF I HAVE OF EMAILS DIRECTLY FROM XXXX WHICH WERE SUBMITTED TO TRUIST AS EVIDENCE. I CONTACTED TRUIST ON XX/XX/24 AFTER SEEING UNAUTHORIZED FEES OF {$55.00} DRAFTED AND WAS TOLD IT WAS FOR PAYROLL SERVICES THAT I DONT HAVE. MY BUSINESS DOESNT USE PAYROLL AS ALL EMPLOYESS ARE STAFFED THRU A TEMP SERVICE. I WAS TOLD THAT I NEED TO GO ONLINE TO CANCEL AND CALL THE TRUISPAYROLL DEPT. AT XXXX. THIS NUMBER IS MISREPRESENTED BY TRUIST BANK AS THE CALL IS PICKED UP BY TRUIST PAYROLL DEPT, HOWEVER, THE EMPLOYEES ASSOCIATED TO THAT NUMBER WORK FOR A 3RD PARTY COMPANY CALLED XXXX. THIS WAS NEVER REVEALED UNTIL I CONTACTED TRUIST FRAUD DEPT AND WAS GIVEN THE " TRUIST PAYROLL DEPT '' # ABOVE. ALSO, AFTER CALLING THE " PAYROLL DEPT '', I SPENT 4 DAYS TOTALLY 8 HRS SPEAKING TO XXXX, XXXX AND MORE REPS WHO GAVE MANY INTERNAL CASE # S:XXXX & XXXX. I WAS TOLD I WOULD RECEIVE A COURTESY 3 MTH CREDIT AS THE CASE IS BEING ESCALATED. THE TOTAL FRAUD DRAFT WAS {$3300.00} AND AS OF TODAY, I RECD {$55.00} CREDIT AND XXXX XXXX AT XXXX ESCALATED THE FRAUD AND CREDITED {$500.00}. I REC 'D ANOTHER DRAFT IN XX/XX/24 AND TRUIST CLAIMS ITS FOR PRIOR MTH CHARGES. THIS COMPANY CONTINUES TO DRAFT FEES UNAUTHORIZED. I REQUESTED DOCS FROM THE PAYROLL DEPT. WHICH THEY CLAIM WERE SIGNED ELECTRONICALLY & NO ONE WILL SEND COPIES WHICH WERE NOT SIGNED ELECT. BY ME BUT FORGED BY THE XXXX XXXX. BRANCH. I WAS TOLD BT TRUIST FRAUD THAT PAYROLL HAS A PAY AS U GO OPTION WHICH IF I USED THEIR SERVICE, WOULD'VE CHOSEN THAT! I EXPECT A REFUND. 
REFUND THE REMAINDER BALANCE OF {$2800.00} FOR PAST UNAUTHORIZED FEES AND {$55.00} FOR THE DRAFT ON XX/XX/24 IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
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. has violated my rights. 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. Please delete the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Refer to the attached documents. I want the bureau to initiate an investigation into these accounts, which I am never late for, but they are erroneously reported as late.

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

Complaint narrative:
I recently checked my credit report and noticed that there are unauthorized accounts being reported on 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 2024-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Late Charges XXXX + NSF XXXX + Other XXXX = {$880.00} total fees XX/XX/XXXX to XX/XX/XXXX Hardship due to medical condition + prescription costs. 
I applied for loan modification. XXXX I was back to health, my mortgage current. 
Next mortgage due date is XX/XX/XXXX The fees are way too exuberant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CBA of GA, Inc.
State: GA

Complaint narrative:
Ive been in communication with XXXX XXXX at CBA since XX/XX/XXXX it took until XX/XX/XXXX for him to send me proof of amount owed. After review of the document I see that a payment of {$2500.00} is now reflected on the document hes provided. XXXX has suggested I pay him regardless of my knowing have made a payment to the original creditor. He stated, after you pay the amount sure Ill look into the missing 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 2024-02-02 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: NY

Complaint narrative:
In my consumer report I have XXXX reporting an account, I sent them an opt out letter and they confirm that they will not be sharing my nonpublic personal information anymore.

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

Complaint narrative:
In my consumer report I have XXXX  reporting an account, I sent them an opt out letter and they confirm that they will not be sharing my nonpublic personal information anymore.

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 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Bank allowed two withdrawals made without my knowledge or consent. The Fraud group refused to discuss or resolve. The complaint was started on XX/XX/24. I have called several times and was told by another group it has not been resolved and they can not give me any idea when it will be resolved. This has created a financial hardship. Discover Bank required me to pay for both withdrawals before they would close the account that was hacked.

Company response to consumer: Closed with monetary relief