vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-05 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: TRIAD FINANCIAL SERVICES, INC.
State: MO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRIAD FINANCIAL SERVICES and XXXX regarding their practices which I believe are in violation of my consumer rights. Specifically, I am addressing the handling of account # XXXX, which I contend is a certificate of indebtedness and must be rectified immediately. On XX/XX/year>, I noticed that TRIAD FINANCIAL SERVICES continues to report the aforementioned account on my credit report. The account in question has been inaccurately categorized, leading to significant negative impacts on my creditworthiness and financial standing. I assert that the account # XXXX is indeed a certificate of indebtedness, and it should be treated as such. I demand that TRIAD FINANCIAL SERVICES promptly rectify this misrepresentation and REMOVE THIS ACCOUNT FROM MY CREDIT REPORT '' Furthermore, I am deeply concerned about the potential violation of my consumer rights in this matter. It is my understanding that as a consumer, I am entitled to accurate and fair reporting of my financial obligations. However, the actions of TRIAD FINANCIAL SERVICES and XXXX have resulted in a misrepresentation of my financial situation, which I believe constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action to ensure that TRIAD FINANCIAL SERVICES complies with all relevant consumer protection laws and regulations. I request that the Bureau intervene to rectify the inaccuracies on my credit report and hold TRIAD FINANCIAL SERVICES and XXXX accountable for any violations of my consumer rights. Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution. 

I want to emphasize that a charge off is considered a certificate of indebtedness which means it is income and must be removed. I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service ( IRS ) regulations. According to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In light of this information, I kindly request your assistance in reviewing the status of this account. 

Sincerely, XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act the collection agency below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 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. In accordance with the Fair Credit Reporting act 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. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts. 15 U.S. Code 1681b - Permissible purposes of consumer reports a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau. Account : XXXX XXXX XXXX ACCT # 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 2024-05-05 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: GA

Complaint narrative:
I have experienced identity theft and I have multiple things popping up on my credit report that I do not recognize. I have sent 2 letters out requesting for validation of debt and none of these companies or credit bureaus have provided what I am asking for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have experienced identity theft and I have multiple things popping up on my credit report that I do not recognize. I have sent 2 letters out requesting for validation of debt and none of these companies or credit bureaus have provided what I am asking for.

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 2024-05-05 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: MS

Complaint narrative:
I was checking my over my consumer report and saw several inquiries that I do not recognized.

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 2024-05-05 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: MS

Complaint narrative:
I was checking my over my consumer report and saw several inquiries that I do not recognized.

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 2024-05-05 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: MD

Complaint narrative:
I am writing to file a formal complaint against Equifax due to fraudulent collection accounts that have been incorrectly listed on my credit report. The accounts, listed under XXXX XXXX for account number XXXX, XXXX XXXXXXXX for account number XXXX, XXXX XXXX for account number XXXX, and XXXX for account XXXX XXXX, do not belong to me and I believe they are the result of identity theft. Despite my efforts to resolve this issue directly with the credit reporting agency through several formal disputes, the accounts continue to appear on my credit report. These errors have caused significant financial hardship, negatively affecting my credit score, resulting in denied loan applications and increased interest rates on existing credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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: NY

Complaint narrative:
I have provided documentation from XXXX showing that my account balance is paid and has a XXXX balance. I called and spoke with Transunion and was told that XXXX would have to call them personally to say the debt was cleared. Is this good business proactices after providing documentation needed?? Why does XXXX have to call Transunion? Not only was the rep rude she also told me that this would be escalated and someone would call me the same day from the XXXX Dispute department. NO ONE CALLED. I called again and was given a case number : XXXX I want my credit report updated with a XXXX BALANCE NOW! I HAVE ALSO CONTACTED THE ATTORNEY GENERAL FOR BULLYING AND UNFAIR BUSINESS PRACTICES FROM TRANSUNION. A company doesn't have to call the credit bureau to show that a debt is paid if proper documentation is provided. I HAVE AGAIN PROVIDED THE DOCUMENTATION FROM XXXX AND HIGHLIGHTED WHERE THE BALANCE IS XXXX AND THE ACCOUNT IS PAID IN FULL!!!!!!!!!

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 2024-05-05 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:
( XXXX XXXX XXXX XXXX XXXX  : XXXX / XXXX Reason : I would like to be provided proof that I consented to these accounts via FCRA Section 623 as the accuracy of this inquiry. If you have no proof of any or one, I would like it removed immediately.

By provisions of the Fair Credit Reporting Act, I demand that these items be reinvestigated and removed from my credit report. It is my understanding that you will recheck these items with the creditors who posted them. Please send an updated copy of my credit report to the above address.

Remove Collection account ( s ) from my report due to violation of 15 USC XXXX ( XXXX ) ( B ).

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 2024-05-05 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: TX

Complaint narrative:
I have asked several times for negative items to be removed from my credit report due to reporting agency violating Fair Reporting Act. The agency claim to have verified debt but did not provide me with proof as requested. The agency then sent me a letter in the mail asking me to verify my address which is clearly on file. The agency also claim they couldn't locate my credit profile with the information I provided which is false due to them clearly being able to locate my credit profile and report inaccurate information. Due to agency clearly being able to mail me letters shows the agency has my address, email and phone number on file. Agency also has my social security number on file to locate my credit profile. I am asking for immediate removal of negative items to be removed from my credit profile due to non compliance of verifying debt. Any further violation of the Fair Reporting Act will result in a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I was looking to purchase a car and I noticed damages on my credit report. According to the 15 U.S.C 1681 law, there should not be any damages on my report. This is a defamation to my character

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I am writing to express my deep frustration and dissatisfaction regarding the ongoing issue I have been experiencing with my Citibank card. It has become exceedingly problematic as my card is repeatedly blocked after every single purchase, necessitating frequent and inconvenient contact with their fraud department to rectify the situation. 

This recurring problem is not only inconvenient but also highly disruptive to my daily activities. Each time my card is blocked, I am forced to halt whatever I am doing to contact the fraud department, verify my identity, and wait for the block to be lifted. This has happened repeatedly, immediately following each purchase I attempt to make, rendering my card virtually unusable. 

I have already contacted their fraud department numerous times to address this matter, but unfortunately, the issue persists without resolution. It is incredibly frustrating to be subjected to such disruptions, especially when I rely on my Citibank card for essential transactions. 

I urge CFBP and Citibank to investigate this matter urgently and provide a permanent solution. I request a thorough review of the security protocols associated with my account and ensure that my card is not flagged unnecessarily after legitimate transactions. This persistent problem is not only inconveniencing me but also undermining my confidence in Citibanks ability to provide reliable banking services. 

I would appreciate the prompt attention to this matter and a swift resolution to prevent further disruptions to my banking experience. Please contact me at your earliest convenience to discuss how we can rectify this situation and restore the functionality of my Citibank card.

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 2024-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On Wednesday XX/XX/XXXX, I was called by someone saying they were from Wells Fargo. They said there was suspicious activity on my checking account. This led to me being asked to make a wire transfer to help them catch the people involved. All the info they sent me was made to look like it came from Wells Fargo. I was scammed out of {$18000.00} dollars. Wells Fargo tried to put a stop to it the next day but it was too late.

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 2024-05-05 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: MD

Complaint narrative:
I am writing to file a formal complaint against Trans Union due to fraudulent collection accounts that have been incorrectly listed on my credit report. These accounts, listed under XXXX for account number XXXX and XXXX XXXX for account number XXXX, do not belong to me and I believe they are the result of identity theft. Despite my efforts to resolve this issue directly with the credit reporting agency through several formal disputes, these accounts continue to appear on my credit report. These errors have caused significant financial hardship as they have negatively affected my credit score, resulting in denied loan applications and increased interest rates on existing credit.

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 2024-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: SD

Complaint narrative:
I upgraded my XXXX AmEx Platinum card to Reserve on XX/XX/XXXX ( approved XX/XX/XXXX ) ; I received a new account card on XX/XX/XXXX that was the wrong color ( purple when I expected silver ). I activated the card thinking it was the correct reserve card and then saw 2 different reserve cards ( silver and purple ) in my online app. I called American Express to confirm that I only had 1 reserve card and they said their records show both a new account and an upgraded card ( upgraded card to the existing platinum account opened XX/XX/XXXX, new account opened XX/XX/XXXX ). I explained that AmEx was authorized only to upgrade the Platinum card and was not authorized to open a second Reserve card. I believe this was a technical error at AmEx that they are looking into but am concerned that ( 1 ) if a systemic issue this could be influencing other citizens and ( 2 ) without a federal report this issue will go unresolved. My original report made on XXXX did not make it to the fraud group and the original agent said to expect 1-2 billing cycles to be resolved, which seems long. The 'official " fraud report ( filed today, XX/XX/XXXX ) may take 30-45 days ( again, seems long ). I am concerned that this duplicate card issuance has already impacted my credit score and have requested that AmEx ( 1 ) remove the incorrect account created in XX/XX/XXXX to the effect of it never having existed, ( 2 ) make internal notation that this error should not affect my AmEx standing in any way, and ( 3 ) contact credit reporting bureaus to ensure this issue is entirely resolved ( removed from credit history with no negative impact on my credit ). Thank you to CFPB for assisting with this case in any way you can.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Recently, I sent a certified letter/affidavit with a notarized signature to Experian regarding a public record that has not been validated. Despite this, Experian has continued to violate the Fair Credit Reporting Act ( FCRA ) by failing to provide proper validation and has ignored my previous communication.

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 2024-05-05 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: NY

Complaint narrative:
Company take more than 30 days to respond, request to have negative accounts deleted.

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Company take more than 30 days to respond, request to have negative accounts deleted.

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 2024-05-05 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am writing to dispute the accuracy of information contained in my credit report. Upon reviewing my report, I noticed an account from Ally Financial that has been marked as charged off and written off. I believe this information is inaccurate and should be addressed according to the Fair Credit Reporting Act ( FCRA ). 

The disputed account details are as follows : - Creditor : Ally Financial - Account Number : XXXX I am requesting that Ally Financial provide either a 1099-C form, as required by law for cancelled debts, or that the account be deleted from my credit report. The FCRA mandates that inaccurate or unverifiable information must be corrected or removed from consumer credit reports. 

I kindly ask that you initiate an investigation into this matter and provide me with written confirmation of the results. Please ensure that any inaccuracies regarding this account are rectified promptly in accordance with the FCRA. 

Thank you for your attention to this dispute. I look forward to a timely resolution.

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 2024-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
They have called 7 times in the last couple weeks from different numbers. It is portfolio recovery associates. I have requested information on when the debt was incurred, the amount, what company, etc. they refused to give any information but demanded payment information right then. I told them not to contact me again as I have checked all my credit reports and nothing shows any debt collections at all. They have contacted me on Sundays, before XXXX XXXX, multiple times a day, etc. never from the same number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Discover bank frozen my account for XXXX to 12 days due to I used thier Discover debt card at ATM for suspicious transaction. A Discover Agent told me that I have to fill out a ID verification form and have the notarized. The Discover Bank to me that my funds will be available within 2 to 3 days. Due to my direct deposit is on their debit card. I cant buy food, gas, medication and/or my bills due to Im disable.

Company response to consumer: Closed with explanation