vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-28 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: GA

Complaint narrative:
I have notified TransUnion of a discrepancy on my report. They are reporting a collection of {$3000.00} by XXXX XXXX XXXX. I have no knowledge of this account. I requested, in writing, copies of the original documentation including my signature. This is pursuant to my rights afforded me under section 609 of The Fair Credit Reporting Act. My requests were ignored and a copy of my credit report was sent to me in the mail, this is not what I requested. TransUnion is violating my rights by continuing to report this information without proper documentation. I am asking that this information be provided or the erroneous account removed.

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 2024-01-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST NATIONAL BANK OF OMAHA
State: MD

Complaint narrative:
I attempted to open an account with their subsidiary XXXX. After going through the entire process ( including downloading the app, creating a login, etc. ) I was denied. 

The bank refuses to furnish a reason for the denial, and refuses to tell me how I can rectify 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 explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: WLCC
State: MO

Complaint narrative:
I agreed to settle my account for {$600.00}. Before paying I requested a letter be mailed laying out the terms of the settlement agreement. I was denied and given no reason as to why the letter couldn't be mailed. Instead, I was sent a XXXX link to pay which I found odd and sent a generic email stating their " terms ''. I was told once paid I could see the closed status on the website which I'm locked out of.This has been going on for several months. After getting nowhere with any of the agents, I asked that all texts/emails/phone calls stop and that I only be contacted by mail. They've continued. I have screenshots of our most recent conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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.

Complaint narrative:
Ive reviewed my credit report and noticed the following inaccurate items. The information reporting on my credit profile is not my account and I would like you to validate that it belongs to me per the accounts below, as they are not mine. 

XXXX XXXX Account Number:XXXX  Account Opened : XX/XX/XXXX Account Balance : {$440.00} XXXX XXXX Account Number:XXXX Account Opened :XX/XX/XXXXAccount Balance : {$2400.00} XXXX XXXX XXXX Account Number:XXXX Account Opened : XX/XX/XXXX  Account balance : {$720.00}

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 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Transunion for making it difficult to upload all dispute documents on their website. Recently, I attempted to file a dispute on their website and upload supporting documentation. Unfortunately, I found out that they only allow a total of 5 MB of documentation to be uploaded. This is extremely inconvenient because it is equivalent to only 1 or 2 pages of documentation. 

As a result, I was unable to upload all of the necessary supporting documentation to fully explain my dispute, and I feel that my dispute was not fully represented. I believe this is an unfair practice that makes it difficult for consumers to have their disputes fully resolved. Also, when I go back online to follow up on the dispute ; the system doesn't show which disputes were made and there is no email confirmation of the submittal of the disputed accounts like there was for the account statement notification. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion to ensure that they provide a fair and efficient dispute resolution process for all consumers. 

Thank you for your time and attention to this matter. 

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 2024-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I have diligently worked towards rectifying all inaccuracies on my credit report and greatly appreciate the assistance I've received thus far. Regrettably, I've encountered challenges with the remaining accounts despite disputing them both over the phone and through mail. Since XX/XX/2023, I've been in constant communication with these credit agencies but have been unable to resolve the issues that are hindering my progress beyond a life overshadowed by poverty. Their lack of attention to my files has not only complicated my life by incorporating detrimental information but has also led to choices that have gradually pushed me towards a precarious financial situation, nearing homelessness. 

Despite achieving academic and social success, XXXXXXXX XXXX XXXX XXXX, I find myself unable to advance any further. As one of XXXX siblings, seeking financial support from my family is not an option. Consequently, I've heavily relied on the credit system to forge a path in the American economy. Unfortunately, the inaccurate and adverse remarks from credit companies have not only made daily life exceptionally challenging but have also brought me perilously close to poverty 's edge as I strive for a better future. Juggling XXXXXXXX XXXX XXXXXXXX with a full-time job has added the role of a XXXX XXXX XXXX to my life. With your assistance, I aim to have these unfavorable remarks expunged, enabling me to move forward and realize my aspirations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
Recently I became aware of a credit card account from TD BANK USA/TARGET CREDI XXXX XXXX XXXX XXXX, MN XXXX. When I reached out to the creditor, they were unable to tell me anything about this account other than it was under my SSN. All the other information does not match mine. Like address phone number I.E. I have disputed this with the credit agencies as fraud and sent in supporting documents, It was removed and flagged as fraud by the credit agencies, but this TD BANK sent back something saying this account was certified as mine and that it was to be put back on my reports. I have tried working with TD BANK but begin none of my info other than SSN matches up I'm kind of limited on what I can do. I was the victim of ID theft over the course of the last several years. And am just catching fraud accounts. From several years ago. I am a XXXX veteran and am fighting to recover from past ID THEFT. I DO NOT HAVE A CCOUNT NUMBER BECAUSE I NEVER HAD THIS ACCOUNT. ALL I CAN GIVE IS MY SSN # WHICH A COPY OF MY SSN IS ATTACHED IN THE DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: MI

Complaint narrative:
I have diligently worked towards rectifying all inaccuracies on my credit report and greatly appreciate the assistance I've received thus far. Regrettably, I've encountered challenges with the remaining accounts despite disputing them both over the phone and through mail. Since XX/XX/year>, I've been in constant communication with these credit agencies but have been unable to resolve the issues that are hindering my progress beyond a life overshadowed by poverty. Their lack of attention to my files has not only complicated my life by incorporating detrimental information but has also led to choices that have gradually pushed me towards a precarious financial situation, nearing homelessness. 

Despite achieving academic and social success, securing a XXXX XXXX, I find myself unable to advance any further. As XXXX of XXXX siblings, seeking financial support from my family is not an option. Consequently, I've heavily relied on the credit system to forge a path in the American economy. Unfortunately, the inaccurate and adverse remarks from credit companies have not only made daily life exceptionally challenging but have also brought me perilously close to poverty 's edge as I strive for a better future. Juggling XXXX XXXX XXXX with a full-time job has added the role of a XXXX XXXX  XXXX to my life. With your assistance, I aim to have these unfavorable remarks expunged, enabling me to move forward and realize my aspirations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I receive a report that one of my accounts had been closed. This was confusing as the account was on auto pay and was in good standing. I logged into the account and the account was current, but showed closed. This has dropped my credit score significantly. I have had a collector reach out demanding full payment. I inquired why the account was closed through their chat feature. The rep lied to me and said the credit bureau closed the account. I explained that it wasn't how it worked, but he refused to do anything or assist in anyway.

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 2024-01-28 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: FL

Complaint narrative:
ATTN : FRAUDULANT DEPARTMENT AGENCY RE-INVESTIGATION *THIS IS A SECOND ATTEMPT TO RECTIFY THIS ISSUE, YOU ARE NOW 30 PASTED DUE ON THE REMOVAL OF THE FOLLOWING DISPUTED INFORMATION* The Fraudulent items listed below still appear on my credit report, even after your investigation. I would like these specific late items immediately re-investigated and corrected/removed. These inaccuracies due to identity theft are highly injurious to my consumer credit report. There is information on my consumer credit report that are a result of identity theft. I did not give authorized written permission or instructions for the identified purchases to be reported on to my consumer report. I am requesting that the publishing of this informational data be investigated and corrected/removed. The Identified transactions are not related to any grand action or transaction by me as the consumer. 

MONTHS OF ACCOUNTS/ACCOUNT NUMBER INACCURATE LATE PAYMENTS DATE OPENED 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  FORMER ADDRESS TO BE DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI , Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation. 
Please provide : 1.As you are aware, the Fair Credit Reporting Act ( FCRA ), 15 USC 1666b , requires that credit reporting agencies to follow reasonable procedures. To ensure that the information in a consumer credit report is accurate. It also gives consumers the right to dispute inaccurate information and requires credit reporting agencies to investigate and correct or remove inaccurate information. 
Also, the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 subsection C-2 Blocking of information resulting from 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 2024-01-28 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
My dad visited XXXX XXXX in XXXX FL in XX/XX/XXXX. He went 2 times and used 2 credit cards, XXXX and American Express. His XXXX card was charged with on XX/XX/XXXX with the actual fee of $ XXXX and fraudulent charge of {$6200.00} on the same date. 
He also went on XX/XX/XXXX and used his American Express card and was charged $ XXXX for supper and the same card was hit for {$3600.00} on XX/XX/XXXX. 
XXXX immediately reversed the charges and investigated when we reported the fraudulent charges. 
American Express has not reversed the charges after numerous phone calls and a certified letter notifying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: MI

Complaint narrative:
After reviewing my credit report I must inform you that I am NOT responsible nor did I consent for the inquiries listed below as I have been a victim of identity theft. PLEASE BLOCK ALL THE INQUIRIES LISTED ON THIS POLICE REPORT BECAUSE THEY ARE NOT MINE. I'VE BEEN A VICTIM OF REAL NAME ID FRAUD AND IDENTITY THEFT. THE FOLLOWING INQUIRIES ARE NOT MINE, THEY ARE FRAUDULENT AND THE VENDORS REPORTING THEM MOST SHOW THAT THEY HAD THE LEGAL AUTHORITY TO ACCESS MY CREDIT REPORT OR THE INQUIRY MUST BE REMOVED.

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 2024-01-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list I will be providing of accounts reporting on my consumer report with your bureau, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Fair Credit Reporting Act 15 USC 1681 Section 602A, Subsection 4 : States, I have the right to privacy.

There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy.

Fair Credit Reporting Act 15 USC 1681 Section 604A, Subsection 2 : States, written permission is needed and required. In accordance with the written instructions of the consumer to whom it relates.

This violation has taken place with the improper use of my report. Per 15 USC 1681S Section 2 ( A ) ( 1 ) Subsections : States, a person shall not furnish any information relating to a consumer to any consumer reporting agency.

No, privacy has been established. No, written permission was established nor given. Violation of my federally protected consumer rights to privacy and confidentiality has taken place with the accounts listed below. 
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 2024-01-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list I will be providing of accounts reporting on my consumer report with your bureau, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Fair Credit Reporting Act 15 USC 1681 Section 602A, Subsection 4 : States, I have the right to privacy.

There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy.

Fair Credit Reporting Act 15 USC 1681 Section 604A, Subsection 2 : States, written permission is needed and required. In accordance with the written instructions of the consumer to whom it relates.

This violation has taken place with the improper use of my report. Per 15 USC 1681S Section 2 ( A ) ( 1 ) Subsections : States, a person shall not furnish any information relating to a consumer to any consumer reporting agency.

No, privacy has been established. No, written permission was established nor given. Violation of my federally protected consumer rights to privacy and confidentiality has taken place with the accounts listed below. 
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 2024-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: IL

Complaint narrative:
Received a " welcome '' email and link to " finish '' setting up my account. I did not request a Chime account. This happened previously ( a couple of years ago ) and I actually received the Chime card in the mail. My credit was frozen when that happened, so I don't know how an account could have been opened in my name when my credit is frozen. I called them and they wanted way too much identifying information to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I HAVE FILED NUMEROUS COMPLAINTS ABOUT THIS SAME ISSUE IN THE LAST THREE YEARS!!! I NEED THIS RESOLVED ASAP! XXXX continues to report this USAA ADVERSE ACCOUNT as open and as a closed within the last 30 days They keep re-reporting it so every month my credit score drops 30-50 points!!! I can't keep living like this!!!! SOMETHING HELP ME OR WE WILL BE DRIVE TO XXXX!!!! USAA CLOSED THIS ACCOUNT IN XX/XX/year> AND with the help of XXXX USAA is HOLDING ME HOSTAGE BY CONTINUING TO REPORT THIS DEBT AS NEW AND THEN CLOSED WITHIN THE LAST 30 DAYS PLEASE STOP THEM FROM DOING THIS AS WE ARE BEING DRIVEN TO EXTREME POVERTY. MY SON HAS XXXX PLEASE HAVE MERCY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: IL

Complaint narrative:
Disputes are being " verified as accurate, '' yet none of the furnishers or reporting companies guarantee 100 % accuracy in accordance with the FCRA. Thee furnishers and reporting companies do not guarantee any accuracy at all, and avoid liability for inaccurate information. Therefore, none of the information reported should be on the consumer report, or consumer file disclosure, or anything else. You can not " verify '' something under dispute and not accept liability for verifying whatever it is being verified. Especially when it is know that the information is unreliable as demonstrated by every furnisher 's and consumer reporting company 's Terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 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: IL

Complaint narrative:
Disputes are being " verified as accurate, '' yet none of the furnishers or reporting companies guarantee 100 % accuracy in accordance with the FCRA. Thee furnishers and reporting companies do not guarantee any accuracy at all, and avoid liability for inaccurate information. Therefore, none of the information reported should be on the consumer report, or consumer file disclosure, or anything else. You can not " verify '' something under dispute and not accept liability for verifying whatever it is being verified. Especially when it is know that the information is unreliable as demonstrated by every furnisher 's and consumer reporting company 's Terms.

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