vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After trying to contact by mail, email, and phone. The Credit reporting company of Transunion has continued to change my email address back to the identity theif 's email address, XXXX. This is not my email address. I have told the credit reporting company more than 3 or 4 times that I do not have access to this email address, and have not had access to this email address at any time. I have sent the credit reporting company copies of my drivers license, copies of my bank statements with my current mailing address, I have sent them copies of utilities bills with my mailing address. The company is refusing to update my email and my mailing address, and they have sent out my credit report to strangers including someone who is accessing my old email address and using it to not only stalk me, but has picked up my minor child and placed them inside their vehicle for collections. I have notified the Transunion company of my concerns and told them not to ever change the email address back to XXXX, however, the company did not consider my request not to change it back to the old email address seriously and there have been more credit reports sent out. My child has been put in the back of a vehicle with XXXX people for collections. 

My current email is the same as the email for this complaint, and has been the same as the CFPB complaints listed here for several years. The notice was sent to Transunion in XXXX, it may have been as early as XXXX. 

The problems have cost me more than {$150000.00} and counting.

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 2024-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: M&T BANK CORPORATION
State: AZ

Complaint narrative:
Never Validated the debt

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 2024-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Larry H. Miller Group of Companies
State: TX

Complaint narrative:
I called Prestige FML regarding this error as you have an email stating that the late payments is due to a system error and you want this to be updated and corrected if not I want to be compensated by Prestige FML for damages on my good credit preventing me from getting a new home. Because all three credit bureaus for the Months of XXXX & XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I submitted a cfpb report, they responded and asked me to send them my FTC report. I did that, I never heard back and its still reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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:
I received my credit report from your company. Later looking at it, I found that the information you are stating on some items contains not only invalid and inadequate data, but both inaccurate and incorrect data as well.This data is hurtin me since it is affecting the interest rates that I am able to get and limits my credit capacity. I am distressed that you failed to keep up reasonable methods to assure the most extreme possible legitimate completeness, accurateness and correctness in the credit reports that you give to creditor Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent and as Consumer by law I am asking them to provide any evidence showing authorization transaction from myself to them as I will never allow my info to be shared without my permission and Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 

As a consumer by law this account must be deleted immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: PA

Complaint narrative:
Upon looking at my consumer report, I've come to the realization that my consumer rights have been breached. Referring to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ), it's explicitly stated that " the term consumer report does not include any report containing information solely as to transactions or experience between the consumer and the person making the report. '' Late payments constitute transactions, and utilization reflects the experience derived from credit usage. However, TransUnion, XXXX, XXXX is indicating late payments on multiple accounts listed below XXXX ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXXXXXX XXXX  ACCOUNT # XXXX XXXX BANK ACCOUNT # XXXX and/or utilization, which are experiences created by credit usage. According to 15 USC 1681b ( a ) ( 2 ), " any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. '' I never provided TransUnion, XXXX, XXXX with written instructions to include anything in my consumer report, let alone these late payments/utilization. Furthermore, as per 15 USC 1681 602 Congressional findings and statement of purpose, it's stated that " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' It also emphasizes that the banking system relies on fair and accurate credit reporting. Inaccurate credit reports directly impede the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential for the continued functioning of the banking system. The reporting of these late payments is inaccurate, and my privacy has been violated due to TransUnion 's, XXXX 's, XXXX 's infringement upon my consumer rights by allowing these late payments/utilization to be reported on my 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 non-monetary relief
Consumer complaint received 2024-04-24 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:
I have recently reviewed my credit report and I have found several accounts that are fraudulent, I would like to delete these accounts since this greatly affects my ability to obtain credit, please I need to delete this fraudulent information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Location Services Holdings, LLC
State: MO

Complaint narrative:
They called my spouse claiming to be from location services but called me and didnt leave a voicemail or message and they said you have been warned and good luck and were very loud over the phone like yelling into it and I believe it to be scam but not sure

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My Bank of America credit card was charged from something called XXXX  and another company called XXXX XXXX Neither charges were mine. The fixed some of the XXXX XXXX charges along with the finance fees. I do not even have this credit card in my possession. The bank has been deducting finance and late fees and taken money from my checking acct to pay the monthly balance. They said to pay off the debt and close the card and I didnt want to pay for something that was not mine. 
I went to my bank in XXXX XXXX  who in turn told me to call fraud. 

I want them to take off my finance charges, late fees and the other charges that keep appearing on my statements. 

I have been struggling with this for a few years now. 

I am on hold for a long time when I call fraud. When I go to the bank I dont get anywhere either. 
My family is tired of this bank and wish to resolve this issue ASAP. 

Its frustrating when you e been with a bank for years and they arent helping me at all. 

They will not allow me to cancel this Bank of America credit card that I do not have.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I never missed a payment on this account. I contacted this company in XXXX and to them the vehicle was stolen. They did inform that payment had to made on account as it was. I made a payment after cut off the representative said to dispute the matter because the account was not documented that insurance was working on the matter for payment. Upon that call I made a payment and scheduled a payment for the XXXX of XXXX. I was contacted on the XXXX the payment wasnt received. Upon checking it showed the payment was taken out of my account. I called back on the XXXX of XXXX and was informed by two representatives that it wasnt reflected but to contact my insurance because the car would go into repossession. Again I informed the vehicle was stolen and reported. The vehicle was a total loss. I got a payment offer that day for the leasing office as I wanted to lease another vehicle with the company. I submitted proof of payments to the accounts department and still to no avail but they marked my account delinquent enough tho I have a payment receipt and a payment offer made that day to pay off the vehicle. They also informed they would not be refunding my payments made not the remaining balance that will be left after pay-off is made. They have not only ruined my credit but loss me as a customer due to the poor manner and which they handled this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I woke up on XX/XX/XXXX to a message from my credit card company, Chase, stating that there was fraudulent activity on my card. I checked my account and XXXX {$15.00} XXXX  transactions ( total {$130.00} ) were made through the XXXX XXXX using my card. This was not me. I immediately reported it to Chase, they cancelled my card, sent me a new one, and removed the charges from my account stating they would look into it. At this same time XXXX sent me an email saying there was suspicious activity on my account, which had obviously been hacked. I recovered my account and changed the password. In the security tab I was able to see multiple log on attempts from foreign countries. At this point I felt I had resolved the issue. 

XXXX months later in XX/XX/XXXX, I check my statement and notice the charges reappeared on my card. I called Chase and they told me their investigation found the charges to be valid and I would have to pay for them. I insisted that I did not make the purchases. Chase told me XXXX said the purchases were legitimate and they were trusting the seller ( who had even notified me of my compromised account ) and not their client ( me ). They offered to reopen the fraud claim if I had any additional evidence. I told them I could share the email from XXXX on XX/XX/XXXX and I could show evidence of regular attempts to login to my XXXX account from foreign countries. I sent them the documents and they reevaluated the case. 

Today I received a letter in the mail from Chase once again denying my fraud claim. I am the victim of crime and my credit card company is not protecting me as they advertise with their " Zero Liability Protection. '' I am frustrated and not sure what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas)
State: NY

Complaint narrative:
Ive sent my FTC report by email as well and disputing with all credit bureaus including the FTC report with dispute. The only one they took off was on my XXXX. How is an FTC report not valid proof that it was not mine. My state does not even have 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
Consumer complaint received 2024-04-24 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: IL

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Kindly remove these inquiries. I have no knowledge about them, and the company conducted them without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: NC

Complaint narrative:
My information was bought and sold illegally by XXXX without my permission, I was also a victim of the XXXX data breach. I want these items Deleted from my consumer credit report effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing to correct this. Please help me delete these illegal accounts from my consumer credit reports. 

Negative Reports as follows : XXXX XXXX XXXX XXXX -- - Account No. XXXX  - Charge-off. Note : XXXX XXXX has removed the account number from the record. 
XXXX XXXX -- - Account No. XXXX - Charge-off. Note : XXXX XXXX has removed the account number from the record. 
XXXX XXXX -- - Account No. XXXX - Charge-off. Note : XXXX XXXX has removed the account number from the record. 
XXXX XXXX -- - Account No. XXXX Charge-off. 
XXXX -- - Account No. XXXX - At least 120 days or more than four payments past due. Note : XXXX has removed the account number from the record. 
XXXX  -- - Account No. XXXX At least 120 days or more than four payments past due. 
XXXX XXXX -- - Account No. XXXX - Note : XXXX XXXX has removed the account number from the record. 
XXXX XXXX XXXX -- - Account No. XXXX Charge-off. Note : XXXX XXXX XXXX has removed the account number from the record. 
XXXX XXXX XXXX -- - Account No. XXXX Charge-off. 
XXXX XXXX XXXX -- - Account No. XXXX Charge-off. Note : XXXX XXXX XXXX has removed the account number from the record. 
XXXX XXXX XXXX -- - Account No. XXXX Charge-off. Note : XXXX XXXX XXXX has removed the account number from the record. 
XXXX XXXX -- - Account No. XXXX Collection Accounts : XXXX XXXX XXXX. -- - Account No. XXXX XXXX XXXX XXXX -- - Account No. XXXX XXXX XXXX XXXX -- - Account No. 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 2024-04-24 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: CA

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 2024-04-24 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: CA

Complaint narrative:
I never missed a payment on this account. I contacted this company in XXXX and to them the vehicle was stolen. They did inform that payment had to made on account as it was. I made a payment after cut off the representative said to dispute the matter because the account was not documented that insurance was working on the matter for payment. Upon that call I made a payment and scheduled a payment for the XXXX of XXXX. I was contacted on the XXXX the payment wasnt received. Upon checking it showed the payment was taken out of my account. I called back on the XXXX of XXXX and was informed by two representatives that it wasnt reflected but to contact my insurance because the car would go into repossession. Again I informed the vehicle was stolen and reported. The vehicle was a total loss. I got a payment offer that day for the leasing office as I wanted to lease another vehicle with the company. I submitted proof of payments to the accounts department and still to no avail but they marked my account delinquent enough tho I have a payment receipt and a payment offer made that day to pay off the vehicle. They also informed they would not be refunding my payments made not the remaining balance that will be left after pay-off is made. They have not only ruined my credit but loss me as a customer due to the poor manner and which they handled 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 2024-04-24 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: CA

Complaint narrative:
I never missed a payment on this account. I contacted this company in XXXX and to them the vehicle was stolen. They did inform that payment had to made on account as it was. I made a payment after cut off the representative said to dispute the matter because the account was not documented that insurance was working on the matter for payment. Upon that call I made a payment and scheduled a payment for the XXXXXXXX XXXX XXXXXXXX. I was contacted on the XXXX the payment wasnt received. Upon checking it showed the payment was taken out of my account. I called back on the XXXXXXXX XXXX XXXXXXXX and was informed by XXXX representatives that it wasnt reflected but to contact my insurance because the car would go into repossession. Again I informed the vehicle was stolen and reported. The vehicle was a total loss. I got a payment offer that day for the leasing office as I wanted to lease another vehicle with the company. I submitted proof of payments to the accounts department and still to no avail but they marked my account delinquent enough tho I have a payment receipt and a payment offer made that day to pay off the vehicle. They also informed they would not be refunding my payments made not the remaining balance that will be left after pay-off is made. They have not only ruined my credit but loss me as a customer due to the poor manner and which they handled this matter.

Company response to consumer: Closed with non-monetary relief