vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I received a letter from TSI stating that I owe for a gas bill to XXXX XXXX XXXX for a location that I havent lived at for over a year. Someone was impersonating me at a previous address for the dates listed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
An unauthorized amount of {$950.00} was taken from my Citizens Checking account in XXXX, Pa on XXXX XXXX through XXXX that was attached to my account and never authorized. The bank said I authorized the withdrawal but I never did. They would not reimburse me. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to request an investigation into certain accounts on my credit report, as there appears to be a misunderstanding regarding their accuracy. These accounts were previously removed but have been reinstated without my knowledge. I did not receive any notification or correspondence about their reappearance.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
To Whom It May Concern, Re : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Data Breaches I am writing to dispute the inclusion of certain accounts on my TransUnion credit report, which I firmly believe are fraudulent and directly linked to the recent XXXX and XXXX data breaches. These breaches have compromised my personal information, resulting in the unauthorized use of my identity. 

The following accounts are fraudulent and must be removed from my credit report immediately : 1. [ XXXX XXXX XXXX XXXX ] 2. [ XXXX XXXX ] I have never authorized or opened these accounts. I have already filed a police report regarding identity theft ( see attached copy ) and submitted a fraud alert to all major credit bureaus, including TransUnion. Additionally, I have included the following supporting documents for your review : Copy of my government-issued ID Proof of address ( utility bill or bank statement ) Police report or FTC identity theft affidavit Any correspondence proving the accounts are fraudulent Your failure to safeguard consumer data has already subjected me to financial harm and unnecessary stress. It is unacceptable for these inaccuracies to persist on my report. As mandated under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to investigate this matter thoroughly and resolve it promptly. 

I demand : 1. An immediate removal of the disputed accounts from my TransUnion credit report.

2. A written confirmation that these accounts have been deleted.

3. Assurance that this dispute will not impact my credit score negatively. 

Please consider this letter my formal notice. Should you fail to resolve this matter promptly, I am prepared to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities. 

I expect a written response to this dispute within the ( 4 ) 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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In reference to the following accounts : XXXX ) XXXX XXXX XXXX XXXX account # XXXX alleged amount : {$3400.00} XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX, last XXXX of account # XXXX alleged amount : {$11000.00} XXXX ) XXXX XXXX  last XXXX of account # XXXX incorrectly reporting late payments for : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX last four of account # : XXXX incorrectly reporting late payment ( s ) for : XX/XX/XXXX and XX/XX/XXXX. 

In accordance with the fair credit reporting act, the above list of accounts has violated my federally protected privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 602A states I have right to privacy.

15 USC 1681 section 604A section 2 : states a consumer reporting agency can not furnish an account without my written consent.

15 USC 1681C ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681c ( A ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In reference to the following accounts : XXXX ) XXXX XXXX XXXX  XXXX account # XXXX alleged amount : {$3400.00} XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX, last four of account # XXXX alleged amount : {$11000.00} XXXX ) XXXX XXXX  last four of account # XXXX incorrectly reporting late payments for : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXX ) XXXX XXXX XXXX XXXX last four of account # : XXXX incorrectly reporting late payment ( XXXX ) for : XX/XX/XXXX and XX/XX/XXXX. 

In accordance with the fair credit reporting act, the above list of accounts has violated my federally protected privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 602A states I have right to privacy.

15 USC 1681 section 604A section 2 : states a consumer reporting agency can not furnish an account without my written consent.

15 USC 1681C ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681c ( A ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer 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 delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been trying to resolve issues with fraudulent accounts and incorrect personal information on my credit report, but despite mailing and calling several times, there has been no progress. I have an FTC report reference number, XXXX, and I am attaching all supporting documents for review. 

I have sent written letters and issued verbal cease-and-desist requests to all fraudulent collection accounts ; however, I am still being contacted, which constitutes a violation of my FCRA rights.

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 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I used a Bank of America check that I believed to be a balance transfer check to pay off a XXXX credit card. On the check which I took a picture of I wrote balance transfer to be paid and then I wrote the full XXXX credit card number on the check. I walked into a XXXX branch and had them deposit the check as a balance transfer. I took a picture of the receipt and the check. Now, Bank of America is trying to say that they have different checks for different things such as convenience checks, balance transfer checks, access checks, and on and on. They are making it so confusing for people. I can understand if I had used that check and cash the money and gone to XXXX and gone and gambled or something, but I did quite the opposite. I used it as a balance transfer and Bank of America knows this information. All I want is for Bank of America to recode the check as a balance transfer so that instead of a variable rate of almost 23 % beginning XX/XX/XXXX, I will have a proper variable rate of 19 % beginning XX/XX/XXXX as a balance transfer would. I have supporting evidence if needed. I also spoke to XXXX on XX/XX/XXXX in The client solutions department and he told me that they would recode the check as a balance transfer check after being on hold for over an hour. Then suddenly two days later, XXXX from another department told me that they were not going to recode it and the only thing she could do was submit an appeal and I would hear back in XXXX hours. She said if the appeal was not in my favor that I would have no recourse. It is patently unfair for banks to make things so incredibly confusing with all these different checks that do not specify the terms on the check. I used the check as a balance transfer and a balance transfer is what I did and Bank of America knows this because they have the proof to back it up. I need this rectified please

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 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone opened a capital one XXXXXXXX XXXX  XXXX using my information without my knowledge. The person set this up on XX/XX/year> and I received an email on XX/XX/year> that my new card was on the way. I called capital one to open an investigation on XX/XX/year>. They have cancelled the account and card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: FL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Ally Financial was issued a check in the amount of {$11000.00} from XXXX XXXX for XXXX  XXXX XXXX paid in full. I contacted Ally and the custermer service stated that the account is paid in full and was report to the credit bureaus XXXX days after payment. It is five months latter and is still showing outstanding/open. Notwithstanding, this has impacted my credit score and needs to be justified accordingly. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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

Company 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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Recently I looked at my credit report and noticed some inaccuracies. This is hurting my chances to obtain credit. It was my understanding that experian will investigate this account for me to ensure everything is correct. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: Chime Financial Inc
State: OH

Complaint narrative:
I was on XXXX from XXXX to XXXX before XXXX. My account got hacked and there was multiple login attempts. I had cancelled my debit card around XXXX and asked the bank to send me a new one which they refused to provide. There were charges of up to XXXX dollars on my account. When I reached out to the bank to dispute and investigate as well as provided them some information and a police report. Chime bank corp has refused to investigate my claim rather closes it days before the provisional credit dead line. I keep having fights with them about this. There are multiple login attempts as well on my account to which I keep bringing to there knowledge as apart of the issue and they wont respond.They keep sending me false links to provide documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to request an investigation into certain accounts on my credit report, as there appears to be a misunderstanding regarding their accuracy. These accounts were previously removed but have been reinstated without my knowledge. I did not receive any notification or correspondence about their reappearance.

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 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Since I joined XXXX XXXX I have been being charged overdraft or insufficient fund fees back in 2018. After looking back at my accounts with one of the representatives, I noticed that even if funds were available at the time, XXXX XXXX would still charge me an insufficient fund fee and than would charge me a fee a 2nd time less than XXXX hours later. After I attempted to ask the representative to explain to me why the fees are being charged in the first place, all I would receive from them in return is " when you signed up for your account this was all explained. '' When I asked about the lawsuit and how this is the same exact circumstances, the representative told me that I can report it if I choose to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: WA

Complaint narrative:
This company is trying to collect a debt that i paid to XXXX. I called XXXX and they took off extra charges that were applied because of equipment that i returned not being updated in their system, and agreed that i pay {$150.00} instead of XXXX. This other company continues to state the debt was owned by them, but XXXX took my payment directly and this company refuses to do anything. XXXX already stated they would contact them and have them resend the collection attempt but this company is not doing so.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have an old friend who was a roommate that I think stole my info and opened up stuff in my name. I would like to have this fixed please.

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