vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing to dispute the reporting of inaccurate information by American Express to the credit reporting agencies and to notify you of violations of my rights under the Fair Credit Reporting Act ( FCRA ). 
These inaccuracies are a serious concern to me, as they negatively affect my credit score and may impact my ability to obtain credit. Under the FCRA, I have the right to have accurate and verified information reported to the credit bureaus.

In accordance with the FCRA, specifically : Section 611 ( 15 U.S.C. 1681i ), I am requesting that American Express conduct a thorough investigation of these discrepancies.
Section 623 ( a ) ( 1 ) ( A ), which mandates that furnishers of information, such as American Express, provide accurate and complete information to the credit bureaus.

I respectfully request that American Express provide me with documentation that verifies my responsibility for the debt in question, such as the original account agreement and a detailed statement showing the calculation of the amount claimed to be owed. 

If American Express can not provide this verification, the law requires that these disputed items be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
So they keep my state every year about a car that I got that broke down less than 30 days before I got it I didnt wan na take me out of the load

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 2024-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX is reporting my score at XXXX. Which is correct as my identity has been compromised. Multiple request have been submitted to XXXX and they have failed to complete a thorough investigation. They have failed to provide me with all measures they have taken to investigate the matter and still have not changed my credit score which has prohibited me from getting a car loan and being approved for a mortgage loan.

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 2024-03-07 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: IN

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
The truck needed a new fuel pump. We sent it to the XXXX dealership. We pay XXXX for it to get fixed. The XXXX dealership said that somebody from the state pound came to pick it up. Im not really sure and we was left with a balance, the card was not behind the car note was not behind the insurance was up-to-date. Everything was up-to-date, so we lost out on the truck and it getting fixed at the dealership, and when you call credits acceptance, they couldnt explain anything

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My name is XXXX XXXX, I recently started working with a XXXX XXXX XXXX in XXXX Texas, and last night I reached out to my boss to see if there was anything that needed done today. This morning ( XX/XX/2024 around XXXX ) I received a text message from someone impersonating my bosses son ( another member of our team ) asking to pick up XXXX gift cards for a client, the amount totaling {$2000.00}. After being asked to do this again I became suspicious and realized this was probably a scam. I quickly got in touch with XXXX, and they were able to verify the cards had been redeemed. I then reached out to Wells Fargo. Just got off the phone with the second individual at Wells Fargo who told me something completely different than what the gentleman that initially filed my claim told me. She told me there are no " dispute rights '' associated with the case, and to call the police. She then said the claim had been denied ( roughly 30 minutes after submission ), but the charges to my card were still pending. She advised I call back once the amount had been officially charged to my account and was no longer pending to see if they could help further, but implied there was nothing they could do. None of this makes any sense to me. I have never been scammed before, and am extremely concerned over this matter. Given the fact this was a fraudulent charge brought on by a scammer ; I had hoped my bank of 20 years would be able to help. Any assistance here would be greatly appreciated.

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 2024-03-07 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: WA

Complaint narrative:
I am filing complaint regarding EXPERIAN 's failure in handling my request to remove information from my XXXX credit file related to human trafficking. Despite submitting valid documentation in accordance with federal law, including a Victims Determination Letter from a recognized XXXX ; Victims Self Attestation identifying the adverse items of information needing to be blocked along with a governmental issued drivers license, XXXX has failed to resolve the matter. XXXX 's actions violate 12 CFR 1022.142 ( e ) of the Fair Credit Reporting Act, which require consumer reporting agencies to block adverse information within four business days from receipt of submission.

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 2024-03-07 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: NY

Complaint narrative:
Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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 2024-03-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IN

Complaint narrative:
I asked for validation of the debt in roughly 2018, and received nothing. I tried explaining to them that I am not taking ownership of the debt due to my estranged father opening the account, as he has access to all of my personal information as he is my biological father. 
I sent a letter requesting validation of the debt, as well as verbally requesting the debt as well to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/2024 {$400.00}. 

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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-07 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/2024 {$400.00}. 

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.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PENTAGON FEDERAL CREDIT UNION
State: AE

Complaint narrative:
XXXX XXXX XXXX and/or Pentagon Federal Credit Union misrepresented the total balance I owed on a credit card, after I paid the lower amount, they later levied the full balance against me. 

In XXXX of XXXX, I called Pentagon Federal Credit Union ( PenFed ) to make payments and settle my credit card debt of approximately {$25000.00}. I was told that the account had been sent to XXXX XXXX XXXXXXXX XXXX XXXX XXXX  for collection. When I made contact with XXXX to schedule payments, they told me the total balance owed was only {$6400.00}. I asked them to confirm as I knew the balance was roughly {$25000.00} ; they confirmed, and this led me to believe that they were settling the account for less. I scheduled a payment plan to start in XXXX ( see attached Debt Collector Letter ), but I was not able to begin payments at that time. However, a few months later, I called XXXX again on XX/XX/XXXX to begin payments. I asked again if the balance was only {$6400.00}, and they confirmed. So I scheduled six monthly payments of {$1000.00} ( see attached XXXX Payments ). After completing the first six payments, I received another letter requesting the final payment of {$430.00}. I called again and confirmed that this was the final payment and paid it on XX/XX/XXXX. 

In XXXX of XXXX, I noticed the status of the account on my credit report had not changed. I expected the status to show " account settled '' or " paid/closed ''. Instead, it was still showing charged off or balanced owed. So, I disputed the account, and when I received the results, the account was only updated to show the payments I made. So I called XXXX again to inquire about the balance still owed ; unfortunately, I do not remember the date or who I spoke with, but she told me that PenFed gave them the wrong amount ( {$6400.00} ) and now they needed to collect the remaining balance of roughly {$19000.00}. I asked how it was possible that I needed to pay the remaining balance when they assured me the total balance was {$6400.00}. I took no action but thought I would dispute it again with the credit bureau and add the collection and proof of my payments as I did not provide any documentation the first time. 

In XX/XX/XXXX, I finally found the attached letters ( the only remaining ones I have ) and pulled my statements together to dispute the account status through the credit bureau with documentation. In XX/XX/XXXX, I received the results from the dispute, and the account was " verified and updated. '' The credit bureau ( XXXX ) provided information regarding your bureau to further dispute or file a complaint regarding the results of my claim.

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 monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Each year I try and review my credit report. In this case I was checking it so I can purchase a house. I saw damages on my credit report and according to the 15 U.S.C 1681 law, there should not be any damages on my report. It is a defamation to my character.

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 2024-03-07 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: TX

Complaint narrative:
15 U.S. C CODE1681 ( b ) and 1681c-2 I never gave a written consent to report accounts that are identity theft.

I have asked for Method of Verification or signed documents with my signature on it from all credit XXXX, Equifax and XXXX after the dispute results stated that the account verified it belong to me. They have failed to show verification. 

I have attached my FTC report stating these accounts were open by fraud and made a police report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: TX

Complaint narrative:
15 U.S. C CODE1681 ( b ) and 1681c-2 I never gave a written consent to report accounts that are identity theft. 

I have asked for Method of Verification or signed documents with my signature on it from all credit XXXX, XXXX and Experian after the dispute results stated that the account verified it belong to me. They have failed to show verification. 

I have attached my FTC report stating these accounts were open by fraud and made a police report as well.

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 2024-03-07 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 have reached out to all XXXX major credit bureaus multiple times, asking them to verify some accounts and to do a full blown investigation on everything on my credit report. They all stated that everything was accurate, which was not the case because, I found some inaccurate items still reporting on my credit reports. My credit report show be accurate across the board and should not have any discrepancies in dates and balances. This is not the case in my situation, and accordance with the Fair Credit Act, XXXX XXXX XXXX has violated my rights. 
XXXX. XXXX XXXX XXXX Account # XXXX for the amount of {$810.00}. 
XXXX. XXXX XXXX XXXX Account # XXXX for the amount of {$1300.00} 15 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : states that a consumer reporting agency cant furnish an account without my written instructions. XXXX XXXX XXXX is reporting inaccurate items on my credit report. I do not have a legal binding contract with XXXX XXXX XXXX, and they are not the original debtors and I have not signed any paperwork with this company. I have asked this company to show my the original signed contract and they have not ; therefore I demand this account to be removed and deleted from my credit report immediately. I have made a complaint to the CFPB before and it looks like they responded saying a telephone number dispute was the reason my account was updated and not deleted. This is not what 5 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A Section state so by law this account should be deleted from my credit report. I have reached out to TransUnion several times and all they have done was send out a letter stating me to verify my address which I have sent in XXXX certified letters with proof of resident. I've sent my state issued ID, bank statement, pay sub from my job, and credit card statement all by certified mail. So please delete this inaccurate account.

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 2024-03-08 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I emphatically request that you refrain from adding this to my credit report. It does not belong to me and seems to be fraudulent. Please take the necessary steps to rectify these erroneous accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CUSTOMERS BANCORP, INC
State: FL

Complaint narrative:
My wife and I now use the same email address since she has XXXX  XXXX. When trying to open a high yield savings account as joint owners, the bank insists we have separate email addresses. We have several other joint accounts with other online banks who have not required this. 
We were told we HAVE to create a new email address for my wife to open the account. 
I believe this is an unnecessary burden on senior investors with XXXX and the bank should have a provision to accommodate this situation. 
Since the separate email address for joint owners is not a government or IRS requirement, I think this bank should have a solution for its elderly or XXXX customers. 
Thank you.

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