vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. I filed a identity theft report theft.gov with the following account and XXXX is not removing it from my credit file. Ive been fighting many times with XXXX and its causing me to want to take legal action. 15 USC 1681 section 602A states I have the right to privacy 15USC STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT Without my written instructions. I did not open a XXXX account under my name and this causing me a lot of bad credit remarks for a new home. Please help me and remove this 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 non-monetary relief
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. I filed a identity theft report theft.gov with the following account and XXXX is not removing it from my credit file. Ive been fighting many times with XXXX and its causing me to want to take legal action. 15 USC 1681 section 602A states I have the right to privacy 15USC STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT Without my written instructions. I did not open a XXXX account under my name and this causing me a lot of bad credit remarks for a new home. Please help me and remove this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I opened a XXXX XXXX 12 months ago and handled this obligation without any problems. It was reported as been handled Exemplarily. 

However, after it was paid off, I opened another account under the same terms and conditions. 

Then Equifax reported the account closed and it was removed from my credit report, which is contrary to the XXXX XXXX advertisements. An account handled in accordance with the contract was to be closed and stay on the credit report to help improve your credit score by recognizing that you paid off the contract in full and on time. 

Either Equifax or XXXX XXXX has made a mistake, and I cant get an answer. 

Could you intercede and help this issue to be resolved??? 

Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
By law they aee supposed to tell me who verified information on my credit report. Experian refuses to tell me who verified the Bankruptcy on my credit report. 

XXXX  you need to send me an email letting me know when the company responds

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 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
In accordance with the Fair credit Reporting act XXXX XXXXXXXX XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

( XXXX XXXX XXXX  ) XXXX XXXXXXXX XXXX  : Balance {$210.00} Date opened : XXXX XXXX Account numberXXXX Contact Info : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX Phone number : ( 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 2022-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This is a bill from a electric company XXXX XXXX They found my name but at another address we have lived at this address for the last 7 years We have used XXXX XXXX XXXX XXXX ever since moving here

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 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear CFPB, In XXXX through XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ) approved me for COVID-19 Forbearance Plans ( *with no impact and no negative credit reporting to my credit file ) of which I rmade all of the payments. 

XXXX then approved me for a COVID-19 Permanent Modification ( {$1500.00} per month ) in XX/XX/XXXX, which was also under conditions that the COVID-19 Permanent Modification would not negatively impact my credit. 
XXXX Representatives informed me on their website, by telephone and written correspondence that my account would be reported as current and there would not be any negative impact to my Credit File/Credit Score for being approved for XXXX  's COVID-19 Forbearance and Loan Modification Plans. 

As of today, XX/XX/XXXX, I have remained current and have never been late on any of my mortgage payments On XX/XX/XXXX, I received a Credit Alert from Experian that indicated XXXX Flagged my Credit File as a Loan Modification. By " Flagging '' my mortgage as a Loan Modification, XXXX has caused negative impact and negative credit reporting to be placed in my Credit File. 

As a result, XXXX has not honored their stated/agreed upon conditions that the COVID-19 Forbearance Plans and COVID-19 Loan Modification would not have any impact to and would not negatively impact my Credit File/Score. 

As of XX/XX/XXXX, my Experian Dispute Results on my Credit File reflect XXXX  listing my Principle Balance as {$190000.00}. This is incorrect as my Outstanding Principle Balance on my XXXX Statement reflects the correct balance as {$190000.00} ( see uploaded attachment ). 

Please note that I DO NOT have XXXX  and my mortgage payment of {$1500.00} includes property taxes, escrow and Home Owner 's Insurance. It may be possible that XXXX is not properly and/or inaccurately distributing and not taking into account my mortgage payments since Late XXXX through XXXX of XXXX to include property Taxes, Escrow, and Home Owner 's These are XXXX XXXX  error to correct and not mine. My Credit File/Credit Report should not be negatively impacted because of XXXX not keeping their conditions by placing negative information on my Credit File/Credit Report, along with errors, inaccuracies, and incorrect information reported by XXXX. 

Additionally, I have made several complaints with the CFPB against XXXX in the recent past of XXXX and in XXXX for inaccurate credit reporting ( inaccurate balances ) and related issues that have negatively impacted my Credit File/Credit Report, but were subsequently corrected by XXXX. 

Thank you for your help. 


Sincerely, 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 explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had an American Express XXXX XXXX  credit card. The card had a due date on XX/XX/XXXX, and I inadvertently forgot a small balance of {$18.00}, and made the payment on XX/XX/XXXX as soon as I realized it. I was charged a late fee with no surprise. However, I thought it could get waived due to the small balance and I didnt have other late fee within the 12 month calendar year. In addition, I had about {$30.00} cash reward could be used to offset the credit card balance. To my surprise, American Express refused to waive the late fee as a one time courtesy, and told me the reward could not offset the late fee. I had to pay off the total balance first, and contact them again to get a check of the $ XXXX reward amount. This is totally nonsense! They ignored how many times I have made the payments on time or even many days earlier, and how long I have been a good customer with American Express since XXXX! They still charged an {$18.00} late fee for a balance of {$18.00}, and it was only late for one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: VT

Complaint narrative:
Advertised everywhere that people can open an account entirely online. They go through the process of opening an account, then request you go to a branch to verify your ID or they will close your account. Entirely misleading.

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 2022-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: MS

Complaint narrative:
XXXX case XXXX. I was notified by XXXX Identity Theft protection that a claim was filed by Pro-collect collection agency, representing XXXX  XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX which was opened XX/XX/2021 and for {$11000.00}. Someone using my social security number was involved in an apartment rental at this location. I do not know this person and have never rented an apartment there. Police report also filed with XXXX Police Department, XXXX, MS

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 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been in contact with TransUnion by phone between the dates of XX/XX/XXXX to XX/XX/XXXX about this matter. I have filed a ftc report and submitted it as well via mail and fax XX/XX/XXXX. I called to confirm it was received and no one seems to have gotten it. I verified the address before I sent it out. I have not gotten any help in regards to this matter of unauthorized inquiries on my credit report. I know my rights under Frca and have stressed this to Transunion representatives, but they refuse to help me. I placed a freeze on my credit reports on XX/XX/XXXX once I learned I could use this feature. I will attach the FTC report and list the XXXX inquiries that I didnt authorize below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX These should be deleted immediately and investigated further because I believe Im a victim of identity theft..

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 2022-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Chime Financial Inc
State: WA

Complaint narrative:
On XX/XX/2022 I deposited {$500.00} in cash at XXXX. I had to use a Chime Bank Card in order to pay bills online because I lost my chase debit card and was waiting to receive it. 
After depositing the money, after attempting to use it I found out Chime froze my account for unexplained reasons. I contacted them, I have about 8 hrs of call time to them. They asked me to submit my ID and a letter from my bank. I did all of this and they still have not unlocked my account, or even returned my emails. I've been trying for OVER a week to get my money back with no results. I have spoke to at least 8 supervisors, my complaints have allegedly been escalated with NO response from anyone. There is no specific reason why the account is frozen. If the account was frozen, then they should have never accepted the deposit. I submitted all required documents, they said allow 24-48 hours. That was over a week ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2022-09-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I, the consumer, purchased a XXXX XXXX XXXX on XX/XX/XXXX with XXXX XXXX XXXX XXXX. I made a down payment of {$2800.00}. I paid {$400.00} for insurance before I could leave the car lot. I have been making payments in the amount of {$290.00} for the past XXXX  months ( I have not missed a payment ). After learning of my consumer rights, I was not provided with the type of notice of my rights to recission under the Truth in Lending Act ( TILA ), 15 USC 1601et.Seq this is required by Federal Law. Upon reviewing my contract, obligations, and rights as a natural person operating in commerce, I noticed that there are several violations present which nullifies the contract pursuant to 12 CFR 1026.3 named Truth in Lending. Per the congressional finding of TILA as well as my due diligence, " It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer ( me ) will be able to compare more readily the various credit terms available to me and avoid the uniformed use of credit during the consummation of the contract. '' Furthermore, according to the Truth in Lending Act 15 USC 1605, my down payment and insurance should have been included in my finance charge, which is all I needed to complete the contract. There should NOT have been any cash exchange after the use of my social security number ( which is by law my credit card ), that constitutes as unauthorized use of a credit card once I entered into a consumer credit transaction. XXXX XXXX XXXX XXXX did not disclose my right to rescind. This being the case, pursuant to 15 USC 1635, I have the right to rescind my initial consent to pursue the terms of my contracts. I conclude this complaint with a demand for XXXX XXXX XXXX XXXX to return my initial down payment of {$2800.00} and all monthly cash payments totaling about {$11000.00} I have made since they have failed to mention that my finance charge was all I needed to complete the deal and that the cash payment was only of benefit to them. 15 USC 1635 ( b ) ( F ). I demand that XXXX XXXX XXXX XXXX return my down payment and other cash payments made within 20 days of this notice by law.

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 2022-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
Creditor Information RUSHMORE LOAN MANAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX not reporting information to credit bureau XX/XX/2019 my mortgage was sold to this company They removed information showing Payment information on credit report since then for years now again they closed account on my credit report ruining my credit status ... it's open it's not my flaunt they have a lot of complaints against them for a number of issues

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I consolidated my bank loans and my bank told me my credit file was blank with someone elses name and some medical bills from another state that were not mine. I was told I couldnt get any more loans until I rectified the situation with Equifax and was provided a number. I called equifax and a few weeks later a Received a letter saying they removed a name for my credit report and that is the only notification I received. I am relocating from XXXX XXXX XXXX. I applied for housing and was denied. The denial was because of my credit report with Equifax. I tried to obtain my credit report online and was unable to so I called Equifax and was told there was a fraud indicator and a freeze placed on my credit file and I did not request any of this Equifax can not tell me who requested it and can not tell me when it was placed I am told I have to wait 24 hours and then I have to wait four days to receive a copy of my report and score in the mail I am currently in an uncomfortable position unable to get housing because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I purchased 2 units of laptop from XXXX XXXX on XX/XX/XXXX. Total amount {$1700.00}. Items were supposed to be delivered on XX/XX/XXXX but not delivered to my address. Delivery confirmation photo showed no merchandise at all. I raised a dispute to Citi on XX/XX/XXXX. Citi investigated and received delivery status documentation from Best Buy, which Citi shared with me in a mail delivered to me on XX/XX/XXXX. The delivery status documentation included the delivery confirmation photo that showed no merchandise at all. This delivery was done by Best Buy 's in-house delivery team, not XXXX, XXXX or USPS. There was no geographical location trace data but just a final delivery status. Nevertheless, in a call on XX/XX/XXXX with Citi, Citi 's representative confirmed that Citi made decision only based on the delivery status and ignored other information which may or may not contradict with the status. The representative claimed that the decision was final. In this case, the status was " delivered '' while the confirmation photo belied the status and there was no geographical trace data, Citi still chose to side with merchant. I am very disappointed by Citi 's decision making process based on one-dimensional information. This puts consumers in a significantly disadvantaged position and abets predatory merchants to take advantage of unwitting consumers by labelling undelivered or misdelivered merchandise as " delivered ''.

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 2022-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
USAA told me if I pay the amount I own for {$23.00} I could open up a new one they said its paid but they say cause cfpb thats y I cant open a new one cuz to you guys its looking unpaid but I paid it this my Id XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXhas 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

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 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXhas 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
this was removed from my credit bureau long time ago.now after so many years apper again

Company response to consumer: Closed with explanation