vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, a timeshare was purchased. Before purchasing, we asked all the necessary questions. At the time, we were in the process of purchasing a home and we were told it would not affect our credits. Fast forward we were unable to do so because the information from XXXX XXXX showed up on our credit reports. We tried reaching out to the office, the sales person XXXX, it was just a whole run around. From the beginning we were provided with wrong information. 
Based on the purchase, we were not provided with any of the products and services that were paid for. Everything was going down hill. We visited a property to try to get help and it was the same thing just a whole lot of run around. In XX/XX/XXXX, we went to another location to get help to get rid of the timeshare. They promised for all the mistakes they would give us more to make up for what happened and we would receive all the products and services. They were not authorized to run my credit or my fiance 's credit. Again we asked all the questions, you providing an upgrade is this going to affect anything, the answers were no. I received a call from a XXXX party that a line of credit was taken out on our account. We would have to pay XXXX  and the third party, which we had no idea of. On the XXXX day we called to try and cancel all the so called upgrades we were offered because we were given 5 days to do so. To all avail nothing. I was told I called outside of the 5 days and they were able to help. Now there are these huge amounts on my credit report which were not authorized. With the upgrade we were told no, we will not run your credit. With XXXX vacations it has been the worse experience this past year and we are trying to get rid of them, seeking legal advise because this whole timeshare thing is a scam. If we had known this is what it would be we would not have done it in the first please. I want them removed from my credit report because this has become a hinderance in purchasing a home for my family and shame on them for reporting incorrect information. Thank you for your assistance.

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a victim of XXXX XXXX and I am dealing with a really aggressive case. I just received 3 notifications regarding things were added to my report that shouldnt be there. I attempted to dispute the information online but the portal no longer gives me an option to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've always made sure that payments on this account are made on time, never allowing them to become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.

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 2024-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX I received a XXXX  message from supposedly my bank USAA XXXX asking if Authorized a XXXX transfer for XXXX $ out of my account, I replied to it " no ''. I got a call from USAA immediately ( not really USAA, but caller ID says it is ). I answered the questions, like what is your USAA number and so forth, they had the USAA waiting music, do you want to do a survey and everything like USAA ) and the so-called USAA representative transferred me to the supposed fraud department. I spoke to someone who claimed my old cell phone was being used in XXXX XXXX ( an XXXX XXXX, which I wasn't able to clear out prior to sending it into XXXX ) they contacted me due to it not being in my normal location. They asked various questions like my PIN number which I have given PIN numbers to get into my USAA account when I have spoken to them in the past. They claimed they that they were going to set me up with a new checking account and they would be transferring my money to a new account, they would overnight checks and that I could continue to use my debit card. They also told me to delete my XXXX from my phone until the following Monday on XX/XX/XXXX in order for them to reset my account and so forth. I did this not knowing it was fraudsters. I put my XXXX back on my phone on XX/XX/XXXX and seen I wasn't set up with the new account and that my account was negative, which I thought was strange. I called USAA at lunch time between XXXX and spoke to someone who basically didn't see the " new account '', and she transferred me to the fraud department. I had waited as long as I could but had XXXX waiting and I had to go work. I called the following day to see what was going on, I seen my bank account was shown to be even more negative. I got to speak to an actual person with the fraud department who let me know, that a new checking account wasn't set up and had me reset my username and password to my USAA account and told me that USAA would do a fraud investigation. A few days later I also received a call from USAA asking me if I had applied for a credit card, which I did not, it was again whoever had taken this information. USAA did XXXX different fraud investigations and deemed the clean out of my account as not fraud. A total of {$15000.00} was taken by the fraudsters. USAA did refund {$1600.00}.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-17 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: VA

Complaint narrative:
Company named XXXX that I have no knowledge of is on my account I want this deleted off my credit report immediately as I have no knowledge of this 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 non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue

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 2024-05-17 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: FL

Complaint narrative:
I've consistently made sure payments are on time for this account, never allowing them to become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
In XXXX of XXXX I had unauthorized transactions take place on my XXXX  account from the company XXXX XXXX. I disputed these transactions with the bank, they did their investigation, determined the transactions were unauthorized, and refunded me my money. I explained to them that I did not use XXXX XXXX and requested that this company be blocked. They said they would. Then on XX/XX/XXXX, the unauthorized transactions from this same company started again and continued thru XX/XX/XXXX. These transactions totaling approximately {$7200.00} being taken from my account. XX/XX/XXXX or XXXX when I checked my account and noticed the transactions I called the bank and made a claim. I was given claim number XXXX. After not hearing anything for XXXX weeks I called to follow up. I was told that my claim was denied because there had been previous transactions with the company in the past. I asked what transactions they were referring to. I was told the transactions they wer me talking about were the ones in XX/XX/XXXX that had already been successfully disputed and ruled by them to be unauthorized. I explained to them This and asked why this company was not blocked as I requested. I wasnt able to get an answer. I asked how they could use transactions that they themselves labeled fraudulent to now say Ive had previous dealings with this company. I couldnt be given an answer. I asked that it be escalated which the did. After several follow ups I was told to submit my XXXX a second time by XXXX Which I did on XX/XX/XXXX after they claimed not to have received it the first XXXX times. I called to verify theyd received it and I was told Id hear something in XXXX days. I waited until the end of XXXX now without hearing anything before I called beck to be told that they have no update and I would be contacted by someone. However Ive never been contacted the XXXX times they told me that. Now it is may and I still havent heard anything.

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint narrative:
This is my 6th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My complaint is with Comenity Ulta beauty rewards credit card. Late fees have been illegally charged onto my account since I opened my account. I was not late on some of my payments and I was still charged a late fee multiple times without being late on my payments. Also I made a payment on time of {$37.00} last month which was the amount it requested due online/payment portal to avoid any late fees and I was still charged a late fee. I was told that my payment was late due to me not paying a previous late fee but this was not true because the amount paid was the amount that the payment portal was requesting to be made to avoid any late payments or late fees. I was also enrolled in a hardship program and was told if I made timely payments of at least {$10.00} I would be refunded for all previous late fees and there was NO late fees reimbursed at all, even though I made the payments on time and paid more than the amount due of {$10.00}. I contacted customer service to report this and other discrepancies on my account and they were extremely rude and unprofessional with no resolution to my issues. I have been charged late fees on top of late fees illegally and promised late fees would reimbursed and they were not. Also this company has been calling me none stop even though I don't have a past due payment.I have currently been having issues logging into their online payment portal, it's not allowing me to log in, after I enter the verification code texted to my cell phone number it won't go into my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I saw that I have an unauthorized credit inquiry

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have fraud on my account somebody tried to open an account with XXXX XXXX XXXX XXXX XXXX Trans Union told me to file report with you and I can only dispute it by mail by sending printout from your website after filing with you. XXXX does not allow me to file online and they are only open till 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 2024-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: MD

Complaint narrative:
( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, a timeshare was purchased. Before purchasing, we asked all the necessary questions. At the time, we were in the process of purchasing a home and we were told it would not affect our credits. Fast forward we were unable to do so because the information from XXXX XXXX showed up on our credit reports. We tried reaching out to the office, the sales person XXXX, it was just a whole run around. From the beginning we were provided with wrong information. 
Based on the purchase, we were not provided with any of the products and services that were paid for. Everything was going down hill. We visited a property to try to get help and it was the same thing just a whole lot of run around. In XX/XX/XXXX, we went to another location to get help to get rid of the timeshare. They promised for all the mistakes they would give us more to make up for what happened and we would receive all the products and services. They were not authorized to run my credit or my fiance 's credit. Again we asked all the questions, you providing an upgrade is this going to affect anything, the answers were no. I received a call from a 3rd party that a line of credit was taken out on our account. We would have to pay XXXX and the third party, which we had no idea of. On the XXXX day we called to try and cancel all the so called upgrades we were offered because we were given 5 days to do so. To all avail nothing. I was told I called outside of the 5 days and they were able to help. Now there are these huge amounts on my credit report which were not authorized. With the upgrade we were told no, we will not run your credit. With XXXXXXXX XXXX it has been the worse experience this past year and we are trying to get rid of them, seeking legal advise because this whole timeshare thing is a scam. If we had known this is what it would be we would not have done it in the first please. I want them removed from my credit report because this has become a hinderance in purchasing a home for my family and shame on them for reporting incorrect information. Thank you for your assistance.

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on any payments. I've attached a copy of my report to this complaint on the following date of XX/XX/year> and. I'm now requesting you investigate the XXXX XXXX XXXX XXXX XXXX account and update this payment to paid on time immediately. Thank you for your understanding and prompt action. 

15 U.S. Code 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on any payments. I've attached a copy of my report to this complaint on the following date of XX/XX/22 and. I'm now requesting you investigate the XXXX XXXX XXXX XXXX XXXX account and update this payment to paid on time immediately. Thank you for your understanding and prompt action. 

15 U.S. Code 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with non-monetary relief