vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: TX

Complaint narrative:
I have submitted XXXX forms of ID ( driver 's license and Social Security number card ) & my affidavit previously, which was signed by the reporting XXXX detailing that I am unaware of how American first finance have obtained my information, but I did not create an account with them also included with my XXXX forms of ID and the contact information for the reporting XXXX along with the report number on the affidavit. the account number was provided on the affidavit and the dispute letter that I submitted as well so the fact that you are saying that you are not seeing this official information, it shows TransUnion doesnt higher adequate workers or those who do their due diligence to resolve this matter correctly, all this information has been submitted directly to TransUnion XXXX the creditor and through the CFPB. XXXX XXXX XXXX XXXX TransUnion has been hindering my way of life with their incompetence with deleting this fraud account from consumer report. XXXX XXXX XXXX said they would resolve the matter and delete it off my report but instead closed a fraud account, said i paid it off ( which i did not ) and left it delinquent 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 non-monetary relief
Consumer complaint received 2024-11-27 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: MO

Complaint narrative:
Several billing errors and late payments on my report seem incorrect. Please review and update these discrepancies.

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 2024-11-27 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
In XXXX I moved out of an apartment because I thought I was being evicted. Due to XXXX XXXX there was a portion of unpaid rent. That was {$7000.00}. XXXX years later I was contacted by a collection agency. I thought the apartment landlord dismissed the debt because they kept the security deposit. In XXXX I was contacted by the collection company and then harassed. The collection company calls and sends letters repeatedly to me and my elderly parents. They also threaten to destroy our credit. They tell us we cant call the landlord and they are not a collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc
State: NM

Complaint narrative:
Williams & Fudge called my husband 's phone at XXXX. I attended XXXX  XXXX XXXX  almost XXXX years ago. I had to take a leave of absence due to taking care of my mother who had a XXXX and a death in my family. Apparently even though I had financial aid. XXXX is trying to make me pay back almost XXXX dollars. I tried to work with XXXX for a payment plan. I am not sure why I would owe them this since they received financial aid from the government and they were not supposed to be paid back due to grants. I spoke with the lady and asked her several times if they had sent me a letter validating the debt. She stated that they had but couldnt give me the dates. She then told me that it was XX/XX/year>. I asked for them to send me another letter because I did not receive it. She told me that they are not responsible for the mail. This was the first phone call I had ever received from them pertaining to this debt. She also told me that they emailed it to me at XXXX. I stated to her well I am not in school anymore so I would have never gotten this. Then she proceeded to tell me that what if this letter doesnt reach you I said then please send it certified so we know it will. She stated they dont do that as we have thousands and thousands of people they work with. I am not even sure if this amount of debt is valid with XXXX. They are refusing to allow me to validate this debt. They said they made note that I have already validated it. I told them I would be turning them into the fair credit act and she was very condescending and said that not even the correct authority. Very shady collection practices with this company. Also acting like they are attorneys I also explained it was with another collection agency ( the name escapes me at the moment ) and she wanted to argue with me that it has always been them. Which is has not because I tried to set up and payment plan with both XXXX  and the other company. Apparently I was nieve in thinking I just owed this debt without any type of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I've explained that I was a part of a XXXX XXXX organization, my personal information was stolen and used against my knowledge. Each bureau removed the charge from my credit report and the charge was just put back on my credit report and not one person has contacted me from Chase informing me that this charge would be put back on my account. Please remove this from my credit report as soon as possible. This is fraud on my account...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: FL

Complaint narrative:
I didnt approve or authorize any release of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
On XX/XX/year> at XXXX pst, I was notified by my XXXX account that there were XXXX suspicious transactions attempted to be made on my debit account. All XXXX were from a XXXX or XXXX. It appears that this company facilitates fraud. The transactions were for {$89.00}, {$69.00}, {$49.00} and {$13.00} respectively totaling {$220.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I was trying to get a loan and was told I had a collection on my credit. After, I called the compay that was reporting the credit on my report and they said they did not have anything on me after giving them my name. I then asked for the address to where I could write them and also the person name ( XXXX ). After 30 days and no anwer I find myself here. I have attached the items I sent to them a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i calleto inquire about the identity thef master insurence policy that was stated to have been provided to tranunion XXXX and request a copy of the detailed version of the policy which it says i can contact transunion to make the request was directed to a identity theft number and i was directed somewhere else and kept being directed back and forth without solving my request

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 2024-11-27 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: Experian Information Solutions Inc.
State: MO

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 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 2024-11-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: IN

Complaint narrative:
There are times when payments fail for various reasons, but this company involved do not inform me until it's too late. As a result, they charge a fee. On XXXX occasion, I accidentally selected the wrong card for payment.And they didn't give me the opportunity to replace it. 

This time, I paid in advance, but they never notified me that the payment had failed, again, they put my old card by default, so they payment failed. They didnt attempt to charge my other card either. Instead, they notify me XXXX days later that they applied a late fee. I believe this is an unfair and abusive practice, stemming from their poor communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number ], filed on [ FTC Complaint Date ]. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section XXXX, any inquiry that can not be verified must be removed. 
Right of XXXX : Section XXXX grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section XXXX requires that reported data is accurate and authorized. 
XXXX XXXX Identity Theft : Section XXXX mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA & # XXXX ; XXXX permissible purposes requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: IL

Complaint narrative:
IC System has attempted to collect on a debt REPEATEDLY that they have not validated, even through they were sent a letter of validation on XX/XX/XXXX, they have continued to report negatively to my credit profile. 

My current report has a listing and/or listings, in which, has not been validated by your company per request per the FCRA 623 ( a ) ( 5 ). I am writing to request validation of the debt referenced in your correspondence dated XX/XX/XXXX and XX/XX/XXXX in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This letter serves as a formal request for verification of the debt, and I request that you provide the following documentation : 1. **The original contract or agreement** between myself and the original creditor that establishes the debt. 2. **A copy of the assignment contract** ( or written agreement ) that evidences your legal right to collect on the debt. 3. **A complete statement of the account**, including the amount of the debt, the date it was incurred, and any interest or fees that have been added since its origination. 4. **Any judgment or other legal documents** that support your claim to the debt, if applicable. Under the FDCPA, I am entitled to request validation of the debt. If you do not have the requested documentation, or if you can not verify that you have the legal right to collect this debt, please immediately cease all collection efforts and remove any negative reporting from my credit history that is related to this account. Please respond to this request in writing. I look forward to your prompt response. Be further advised that I am closely monitoring my credit profile. Per the Federal Law, you have exactly 30 DAYS to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). 

Without even validating this debt, this company has negatively reported to the credit bureaus which has obviously impacted my credit report negatively, and which is a CLEAR violation of my consumer rights, per the XXXX 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 2024-11-27 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: 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 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 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 2024-11-27 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Subject : Formal Complaint Regarding Misrepresentation of Loan Terms and Excessive Interest Charges Dear CFPB Representative, I am writing to formally file a complaint regarding what I believe to be deceptive loan practices and excessive interest charges involving a purchase I made through XXXX XXXX in collaboration with Wells Fargo. Below is a summary of the issue : Transaction Overview : Date of Purchase : XX/XX/XXXX Loan Amount : Approximately {$4000.00} Payment Agreement : $ 149 monthly installments over 12 months with a 0 % interest rate, as explicitly stated by the sales representative at XXXX XXXX. 
Events Leading to the Complaint : I paid $ 149 monthly without any issues from XX/XX/XXXX through XX/XX/XXXX, totaling approximately {$1900.00}. 
In XX/XX/XXXX, I discovered that I was charged approximately {$1100.00} in interest. 
Upon inquiry, XXXX XXXX informed me that the 0 % interest rate applied only for the first 12 months, and that subsequent payments would incur interest charges retroactively if the loan was not fully paid by then. 
Current Situation : As of XX/XX/XXXX, I have approximately {$2000.00} remaining on the loan, but Wells Fargo claims I must pay {$3100.00} to settle the loan in XXXX significant increase of {$1100.00} due to interest. 
I find it unfair and unreasonable to be charged such a high amount of interest for XXXX month of exceeding the promotional period, particularly since I was unaware of this condition at the time of purchase. 
Why I Am Filing a Complaint : Lack of Transparency : At no point during the sales process or loan agreement was it made clear that the 0 % interest rate was contingent on full repayment within 12 months or that interest would be applied retroactively. 
Excessive Charges : Charging {$1100.00} in interest on a remaining balance of {$2000.00} for a single missed condition appears exploitative and unjustifiable. 
I am requesting your assistance in investigating this matter and helping me resolve the following issues : Verify whether the loan terms and conditions were disclosed to me appropriately in compliance with Texas and federal laws. 
Determine if the {$1100.00} interest charge and the remaining balance of {$3100.00} are lawful and fair. 
XXXX Wells Fargo to provide a clear explanation of how interest charges were calculated. 
I believe these practices XXXX constitute deceptive lending practices, and I kindly ask for your guidance and intervention in ensuring a fair resolution. 

Thank you for your time and attention. Please feel free to contact me at [ your phone number ] or [ your email address ] if additional details or documents are required. 

Sincerely,

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 2024-11-27 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Several accounts on my credit report seem inaccurate and added without consent. Kindly block and remove them as soon as possible.

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 2024-11-27 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: MO

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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX MO FAMILY SUPPORT DIVI XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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