vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my 6th endeavor 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, block 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, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX  XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX  Bankruptcy XXXX Date Filed/Reported XX/XX/

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 2024-02-06 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: GA

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have contacted XXXX and they are denying any charges or flights under my name in XXXX or XXXX of 2023.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: IL

Complaint narrative:
I received an email welcoming me to chime, despite my never contacting the company to open a new account. 

I then received another email telling me that a debit card was being sent to me. 

I went onto the website for Chime to see that an account in fact was created in my name, but had no balance. 

I then called Chime to close the account. 

I have received an email confirming that the account is being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kahn, Dees, Donovan & Kahn, LLP
State: IN

Complaint narrative:
I have never received anything showing items they claim I owe not sure its even my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
CBNA is still reporting an account that is not familiar to me on my credit reports! I requested they send me a copy of the original contract with my signature, all charges and all monthly statements and they ignored me! I then filed a dispute with XXXX and they waited a couple of days and just said the company said it was correct and did nothing!! That is NOT VERIFYING A DEBT AND IS NOT INVESTIGATING A DEBT TO DETERMINE IF IT BELONGS TO SOMEONE!!! I have had my personal information hacked 10 times since XXXXXXXX  and have a RIGHT TO HAVE CORRECT INFORMATION ON MY CREDIT REPORTS AND NOT PAY A BILL THAT IS NOT MINE!!! This account has never been verified as mine!! PLEASE ENFORCE THE LAWS!!! THEY HAVE BROKEN THE FDCPA AND FCRA!!! THE CREDIT REPORTING AGENCIES ARE JUST AS LAWLESS AND ARE GUILTY OF THE SAME AS WELL AS AIDING AND ABETTING THESE BUSINESSES!!! 
Account name CBNA XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Recent balance {$1600.00} as of XX/XX/XXXX Status Account charged off. {$1600.00} written off. {$1600.00} past due as of XX/XX/XXXXXXXX 
Date opened XX/XX/XXXX Details Not mine or No knowledge of account You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute. 
You may also submit supporting documentation for your disputes at experian.com/upload. 
Cancel dispute Add a statement Upload

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 2024-02-06 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: CA

Complaint narrative:
After reviewing my credit report recently after not using it for years, I noticed accounts reporting that I never applied for. I have not used my credit for years now yet there are accounts that are reporting under my name which I never authorized myself. I believe that someone has used my personal information to open these accounts. 

The following accounts are not mine, were opened fraudulently, and should be deleted from my credit report : 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 2024-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WI

Complaint narrative:
I refinanced my loan with XXXX for {$310000.00} dollars on XX/XX/. The loan amount owed at the time was {$290000.00}. I overestimated because I had been making excess payments on the loan at that time. My account balance shows- {$15000.00}, and has since XX/XX/XXXX  However, there are loans due ( according to statements ) totaling approximately {$48000.00} that I am delinquent on. There should not be any loans due as I completely refinanced the loans. I should be owed {$15000.00}. It has been 5 months and still not a peep. I have spent many hours on the phone with Mohela to no avail. They are supposedly going to send me pre-Mohela and Mohela financial transaction records. For some reason they are unable to have any accounting history of these records, which is odd, considering the large nature of these financial transactions. I spoke to a representative today that escalated the call. They are now supposedly going to look at the loans as they should have been included in the refinance. My concern was that these loans, that shouldn't exist, would just be added to my refinanced loans. She said I just had to wait and trust that Mohela would due the right thing. I told her I did not. After 2 hours of patiently and politely waiting on the phone for them to figure things out, she hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: TX

Complaint narrative:
Someone got car loan in my companys name along with mine. Ive forwarded a copy of my FTC IDENTITY THEFT REPORT via email. My secretary says the institution calls multiple times a day. This account is not mine nor my companys and I need them to close this loan out immediately.

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 2024-02-06 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:
I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Sent XXXX to XXXX  thru Chase Bank in various amounts from XXXX to XXXX of borrowed money bought XXXX And sent to a site to make foreign currency exchange the site was XXXX pro-live it turned out to be a fake site set up by the XXXX I have pictures, receipts a lot of information I did file a police report that went nowhere The time frame was XX/XX/XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: AZ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2024-02-06 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: AZ

Complaint narrative:
I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings
State: KY

Complaint narrative:
Im not even sure how but this company is harassing my family, friends and wife for this debt. They have acquired phone numbers from family members and people who have recent phone number changes. This company has went above and beyond harassing, calling at all hours of the day and night after being repeatedly told not to contact anymore. My entire phone number block list is nothing but this number. 

I am beyond disturbed and uncomfortable knowing that a company can do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
Under the FCRA Regulatory Laws and Guidelines protecting Consumers, I have urgently notified AFFIRM , INC numerous times that this Account must be Closed and Ceased. Due to the Fraudulent and Inaccurate reporting 's of MisInformation about the total balance amounts, payment history, and term agreements regarding this account.

AFFIRM , INC has committed complete Identity Theft by knowingly furnishing incorrect and false information regarding this Account, in an attempt to collect more monetary gain unethically. My monetary obligations to Affirm were paid in full years ago and they continue to report illegally false balances to XXXX. 

It has also been brought to my attention that AFFIRM , INC is also ILLEGALLY SELLING my personal information such as Social Security Number, Home Address, Email Address, and Phone Number to several Third Party Entities that I DID NOT AUTHORIZE or give consent to do at ANY TIME. This is a complete violation of my Federal Consumer Rights, Federal Consumer Laws, and is out right illegal. AFFIRM, INC. is abusing their power as a Creditor is attempting to take advantage of Consumers, by capitalizing off of them in unethical and illegal ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
I have an HSBC Premier relationship Savings account with HSBC Bank USA. The product is being marketed as 'Earn 4.5 % APR if monthly spend on the debit card if XXXX or more '' In XX/XX/2023, I spent a total of USD XXXX on my debit card out of which XXXX were spent using my debit card on XXXX XX/XX/2023. 

The bank posted the transactions made on XXXX XX/XX/2023 on XX/XX/XXXX even though the Debit card was used on XXXX XX/XX/2023. 

Therefore based on HSBC Bank 's calculation, I was short of XXXX to reach minimum spend of XXXX since the bank is not accounting for XXXX spent on XX/XX/XXXX. 

Hence for the month of XXXX I was not paid 4.5 % XXXX on my Premier Relationship Savings Account - which translates to a loss of USD XXXX. 

It is not in customers control when the transactions will be posted and has no control over the posting dates. 

This saving product should consider the transaction date and not the posting date as the basis for following reasons. 

1 ) The product is marketed as total spent made per month 2 ) Its not under customers control when the transactions will be posted. Customer can only monitor calendar days and not Posting days. 
XXXX ) Customer has no knowledge of the actual posting dates, which is determined by the bank. So why should Customer take a hit if the transactions are not posted within the same month. 

I have raised a complaint but HSBC says it will not consider the complaint as the product is based on Posting dates and not transaction dates

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: NJ

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-02-06 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: FL

Complaint narrative:
I was reviewing my credit report with Transunion Reporting agency and discovered an inquiry from XXXX XXXX Bank ) that was done on XX/XX/2023. I have never applied for any credit or services from this Bank / Company. I called them directly and ask what this inquiry was for and was told they do not have any record of me making application to this company. I asked that this inquiry be removed from my Transunion credit history and any other agencies that they use.

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 2024-02-06 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: CA

Complaint narrative:
I contacted TransUnion multiple times about willfully and unlawfully reporting incorrect information on my credit report. The most recent interaction was by phone on XX/XX/XXXX. I spoke to agent XXXX XXXX and I was given the reference number XXXX. The reason for my call on this day was to request the immediate removal of an illegally reported account. TransUnion has information LISTED ON THEIR VERY WEBSITE stating the updated FCRA XXXX amendments ( FACT Act ). Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). For collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. 
TransUnion DOES NOT possess any of those examples in relation to my child support account! So, they are in direct violation of this federal consumer law! I expect the immediate removal of the delinquent child support account ( listed below ) that is being reported by TransUnion! 
XXXX XXXX XXXX Account # 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 2024-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
I was given XXXX income contingent repayment plan ( ICR ) by MOHELA in the amount of {$850.00} when submitting my consolidation request in late XX/XX/XXXX on studentaid.gov based on Income. 
The promise to me spoken by XXXX and student aid ombudsman was that an income based consolidation loan would also honor my years of payment, thereby cancelling some of my student debt after 20 or 25 years of repayment. I started paying in XXXX, with a break in forbearance on my loans, but have been consistent with paying XXXX and XXXX XXXX ( now XXXX ), since XXXX, under SAVE and IBR. My most recent Tax Return was submitted along with this consolidation loan application request to show that I was eligible for an income based repayment plan. MOHELAs calculations show an Income Contingent Repayment ( ICR ) for {$850.00}. 

On XX/XX/XXXX ( a Friday ), I received a processed Direct Consolidation application from XXXX. XXXX  processes Federal Student Aid for MOHELA, also a Federal Student Aid company. The information within this processed application shows a consolidated loan that will be subject to standard repayment. That amount can range from {$2600.00} to {$4100.00}, depending on what they select. In at the letter I was asked to respond within 10 days. However, the date on the letter is XX/XX/XXXX. By the time I received the letter, I could not respond. The office was closed on XX/XX/XXXX, by the time I received the letter. And the deadline XX/XX/XXXX is a Saturday. The office is no open on XXXX and XXXX. When I called on the next business day, I was told by their representative that the XXXX  did not have the loan. In talking with MOHELA, I find out that the loan was told that the loan was still uploading. I would later find out after much questioning that the loan processed by XXXX  was returned to MOHELA for final processing ( disbursement to XXXX and notification to me ). 

I am continually told conflicting information. 

I am a veteran ( retired military ) and I am XXXX XXXX XXXX. I have worked with a nonprofit in the past ( XXXX - XXXX ). Yet I am told I qualify for debt forgiveness, and yet this consolidation does not reflect any of what has been promised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation