vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-01-11 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I was looking at my report and notice there some things that was not correct.I sent a letter to experian on XX/XX/ here is the tracking number XXXX XXXX XXXX XXXX XXXX But it has been more than 35 days since since the credit bureaus havent responded. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) A ) Subject to to subsection ( f ) and expect as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumers notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or deleted the item from the file in accordance with paragraph ( 5 ), before the end of the of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-01-11 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hi. there! 
Thank you so much for setting this window for us to tell our complaints! 

" XXXX XXXX is a partner of Wells Fargo, and it's credit card, but it also has the " make rent payment '' feature, which could earn reward points, and the rewards will be automatically adopted in your next rent payment. " This is the most reason attracts me to use it make my rent payment. 

On XXXX XXXX XXXX, I uses my XXXX XXXX XXXX to make my apartment payment. At the same day after I submitted the payment, an email from XXXX shows the payment was made successfully, and later on in the XXXX app, the payment history also shows everything in normal, and {$40.00} points was also adopted automatically in this payment. Based on this, I thought everything should be fine at this time. The reason I was so cautious on this because there is a bad experience with them before, on XX/XX/2023, the credit card had failed on me once, and it caused me lose {$50.00} inconvenience fee in the leasing office. Since the failed payment was informed to me in time so that I was only charged {$50.00} by the leasing office. However, at this time, it failed me again until 4 days later, the leasing office people come over hand me a delay fee plus inconvenience fee, which was total {$170.00} like. Ridiculously, I didn't receive any email to inform me about the failed payment before leasing office came over. 

After the same thing happened twice on me with the same stupid credit card, I now really can not pretend nothing happen, and I can not losing money for this kind of stupid thing again. 

So far, I already talked with them over 12 times on the phone, but they denied my reimbursement request, and their excuse is that I didn't turn on the key button while using it to make rent payment. The question is where is the key button, and why do we need to set a button for making a payment? I don't even know this feature before. if it has, then they should turn it on when the first payment failed on XXXX, how come they let it in off status until the second payment failed again? Plus, if the button is off, and why their API system didn't email me at the same day to avoid the unnecessary loss happen? 

Overall, the XXXX company has a lot of issues. By the way, the interest rate they charge also way higher than other credit card companies.

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 2024-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I trust this letter finds you well. I am writing to address a matter of concern regarding my credit report, specifically the presence of late payments that I believe are inaccurately reflected. I am seeking your assistance in rectifying this issue promptly. 
Upon thorough review of my credit report, I have observed instances of reported late payments that, to the best of my knowledge, do not accurately represent my financial history. I am attaching supporting documentation, including proof of on-time payments during the periods in question, to substantiate my claim. 
XXXX XXXX XXXX XXXX I understand the importance of accurate credit reporting and its impact on my financial standing. Given the potential consequences of these inaccuracies on my creditworthiness, I kindly request that you conduct a comprehensive investigation into the reported late payments. Subsequently, I urge you to take the necessary steps to either remove or correct the information on my credit report. 
To ensure transparency and keep me informed throughout this process, I request regular updates on the status of your investigation and any actions taken to address this matter. Your prompt attention to this request is highly appreciated, and I look forward to a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
I received a letter and multiple upon multiple repeated phone calls ( 4+ calls within the hour ) daily threatening to sue me for hospital bills. I was under Colorado XXXX at the time. I dont know why I have this debt or why I am being harassed daily. This company is aggressive and unethical.

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 2024-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
My vehicle was repossessed after a payment from XXXX XXXX XXXX bounced. I was up to date but the system acknowledged that bounce payment and threw me into a repo status thinking I hadnt paid anything since XXXX. The car was repossessed but charged off my account COMPLETELY. Now they came back requesting {$5000.00} after 2 years of it already being charged off my account. Nobody spoke with me prior to repossession, after repossession, and nobody spoke to me now that they are trying to illegally ask for {$5000.00} after the car has already been completely charged off my account. There is no need for it to be back even if it is a smaller amount

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank allowed fraudulent charges with my debit card then took back the money my account was credited when I called to report the theft of my card.My card was stolen out of my car and the person who stole it made a transaction of {$98.00} at a nearby gas station as well as {$140.00} at a smoke shop. I never spend {$98.00} at gas stations My tank doesn't hold more than 10 to 11 gallons, I haven't spent more than {$70.00} at a smoke shop in years. They said that I never said it was stolen despite the fact that I said that several times and the whole reason why I called in the first place. I was on the phone with them well one of the transactions was happening and I we were able to stop the person using my card ( for XXXX at a restaurant ) .i have no authorized users on my account and they claim that it must have been authorized because a pin was used but the pin can be bypassed by pressing enter on any card. Even if somehow someone knew my pin, doesn't mean I authorize the charge and for them to take out of my vehicle while I'm at work. And they said it was because The charges were made around the area I normally make charges, of course they were the card was stolen. When I asked for the recording of the call they said that they were unable to access it which I do not believe. They also cleared all record of my claim and the charges when they first happened. They only showed me receiving the credit for them and then The removal of it. They also refuse to provide details although they said they would a couple of times. They refuse to let me talk to the head of investigation as well. I made a police report as well. At no point did I receive a phone call asking for more information and they never asked for a police report number. The information they gave me was extremely limited and some even inaccurate so I'm not sure how they made a decision and how they call that an investigation. I also don't know why they would still let me bank with them if they think I made a fraudulent claim. To make a fraudulent claim with my bank is illegal and to make a false police report is also illegal so that's a whole lot of trouble to go through and very risky for less than {$300.00}, but like I said I was on the phone with them as it was happening. I called just a few hours after my bag wasstolen out of my car

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: GA

Complaint narrative:
This serves as a follow-up to my previous complaint dated XX/XX/XXXX. I am scheduled to update my credit reports once again within 15 days from today, and I anticipate further deletion updates from XXXX, XXXX, and TransUnion. I have taken the initiative to list the items here once again and re-attached my new FTC report with # XXXX. The items for removal are listed per bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX Balance : {$32000.00} ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$32000.00} 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 2024-01-11 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:
This serves as a follow-up to my previous complaint dated XXXX I am scheduled to update my credit reports once again within 15 days from today, and I anticipate further deletion updates from XXXX, Equifax, and XXXX. I have taken the initiative to list the items here once again and re-attached my new FTC report with # XXXX. The items for removal are listed per bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance : {$32000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

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 2024-01-11 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: AZ

Complaint narrative:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am writing to dispute and request the immediate removal of fraudulent accounts on my credit report. After thoroughly reviewing my credit report, I have identified unauthorized and fraudulent entries that are negatively impacting my credit score. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
XXXX XXXX XXXX XXXX XXXX I respectfully request that you conduct a thorough investigation into the reported late payments and take the necessary steps to either remove or correct them on my credit report. I am confident that, upon review, you will find that the reported late payments are inaccurate and do not reflect my payment history accurately. 
I understand that, under the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy and integrity of the information on my credit report. The presence of these fraudulent accounts is not only damaging my credit score but is also a violation of my rights as a consumer. 
I kindly request that you provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed from my credit report. Additionally, please send me an updated copy of my credit report reflecting these changes.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC
State: HI

Complaint narrative:
ENHANCED RECOVERY CORPORATION Account XXXX ) accessed my report without my permission. 

According to The Privacy Act of 1974 and the15 U.S. Code 1681b - Permissible Purposes of Consumer Report explains what a credit bureau can and can not do. I feel these rights was violated. " Theseaccount is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 16815-2 ( AX1 ) 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 and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Untimely response
Consumer complaint received 2024-01-11 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I hope this message finds you well. I am writing to bring to your attention a matter of concern regarding the reporting practices of LVNV to third-party credit bureaus. Upon reviewing my credit reports, I have identified discrepancies in the information provided by LVNV across different bureaus, particularly on XXXX, XXXX, and XXXX. 
On my XXXX report, there is an indication of a past due amount of {$4600.00}, whereas both XXXX and XXXX reflect that the account in question has been paid off, with no outstanding balance. Such inconsistencies raise serious concerns about the accuracy and Furthermore, I would like to bring to your attention the fact that the debt associated with this account has been transferred to a third-party debt collector. As a result, it has been charged off and is now considered a certificate of indebtedness, constituting income. According to applicable regulations, such discharged debt should not be reported, as it may lead to inaccurate representations of my financial standing. 
In conclusion per the FCRA as a federally protected consumer I am now opting out of any and all authorization I consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802.

16 CFR 313 OPT OUT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have called AMEX Gift cards customer service 5 times to let them know that my gift cards have not been working. I keep telling them that it's been declined and yet they don't do anything about it. I have 5 gift cards that I got from my work company and they are active but declining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: FL

Complaint narrative:
The below accounts are not mine. I already notified the three bureaus and they have not responded. It has been over 90 days. 

XXXX XXXX XXXX Opened XXXX {$120.00} XXXX XXXX Opened XXXX {$290.00} XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX EXTRA Closed on XX/XX/XXXX My Identity Theft Report reference number is XXXX and my police report number is 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