vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-29 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: KS

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

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 2024-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX said I either purchased a Mobile Phone or had a outstanding bill in the amount of XXXX dollars. for the months of 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 2024-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-03-29 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: KS

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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: KS

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Alliant Capital Management LLC
State: CA

Complaint narrative:
The debt collector called me for the first time yesterday at XXXX and left me a voicemail. I didnt answer my phone because I was at work. About XXXX minutes later, they call my employer. They didnt even give me a chance to return the call before calling my employer and harassing me at work. I never gave them permission to contact me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TomoCredit Inc.
State: AZ

Complaint narrative:
So I recently applied for a line of credit from the Company Tomoboost which has an unconventional way of supplying credit to consumers. In which you can pay an amount for them to report a Iine of credit to your report according to different tiers of products. I initially applied for a basic plan of {$9.00} and towards the the close of the month they were advertising a discount for a higher tier. I upgraded to a higher for a discounted price was charged immediately. Now I never received any benefits from this company in the case of reporting to my credit file and they have been trying to charge a higher monthly fee a week after I agreed to upgrade. I told them that I have not received any benefits and would from their service which would equate to a theft of service and false advertisements. I have sent multiple communications to the company telling them to close the account and refund my money in full if they can't upgrade my account and waive the fees because I am not satisfied nor did I receive service. I have been given the run around about this for over 3 weeks now, they have stopped responding to emails and have not taken any action to correct this. They attempt to charge my card everyday even after I have told them I don't want this service. This is a direct violation of my consumer rights and also negligence on behalf of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.

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 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX it was discovered that USAA had illegally and without approval on XX/XX/2024 processed a duplicate payment of {$6300.00}. This duplicated a payment FOR THE EXACT SAME AMOUNT two days earlier on XX/XX/2024 paying off the last statement balance. 
This unauthorized withdrawal of a second payment within two days has caused immediate financial harm to my family, and USAA is liable for any costs and fees associated with their error. The costs and fees associated with this error currently are $ XXXX plus time and reputation damage for payments that were rejected due to the unauthorized repeat withdrawal of funds. 
This was not a few XXXX dollar payment duplicated ; it was an entire balance being paid off that the reasonable business or person would understand that running the payment a second time in two days overpaying a credit card by nearly XXXX XXXX dollars is wrong. Their computer system is not an excuse for unauthorized funds withdrawal and putting a family at financial risk. 
Upon calling USAA customer service, I was hung up on mid-call twice when they tried to escalate me with a higher level representative to assist. The third time I was told that it was a few minutes after their closing time and no one was able to help me until the next day. This lack of customer service, the need to call back twice going through the horrible automated menu and hold time, and then refusal to help once it has extended past their close time smacks of avoidance and withholding of service to a 30 year client that has been harmed by USAA. 
I was told I will get a call back the next day but can not be guaranteed when. After waiting five hours I called back in and after delay was informed that nothing could be done for ten days, at which point I could then " dispute '' the transaction. 
This is unacceptable and causing financial harm. I have immediately ceased any financial connection to USAA and will never do business with them again. I have obtained their legal address ( after asking twice previously and not provided ) and will send a claim and pursue legal action. After 30 years of being their customer, it is very clear they have no regard or concern for their harmful actions.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-03-29 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: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Good afternoon, I applied for a mortgage with XXXX XXXX  and they did a credit check and there is an XXXX XXXX XXXX  on my credit report showing a balance of {$500.00}. I dont have an XXXX XXXX XXXX and I have never apply for an XXXX XXXX XXXX therefore this XXXX XXXX XXXX shouldnt be on my credit report. 

Kind regards, 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 2024-03-29 00:00:00
Product: Credit reporting 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:
I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.

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 2024-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: CO

Complaint narrative:
to whom it may concern, my report is showing that i owe XXXX. i never knew the account was close until i did my taxes and the account was linked to my external account and i was showing a deposit of my taxes then the next day it showed closed account... i was looking on my credit report and the person i know who has my information has accessed multiple account or issues to XXXXXXXX me over he has a restraining order in place please help

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 2024-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was using XXXX  to sell my jeans that somebody bought for {$120.00}. I sent them the jeans and they said they wanted a refund. I sent them the money back along with a label for them to send the jeans back. They never sent the jeans back. Chase wont help me and neither will shopify. I got scammed and i need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: 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.

has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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: 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.

has violated my rights. Or a 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 explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
This account is over the 7 year limit and should not be listed on my credit report. When I attempted to contact this company years ago, they did not have a working telephone number. They are still fraudulently reporting this account on my report and it needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: MS

Complaint narrative:
Remove inquiries from XXXX and transunion credit report from XXXX XXXX. I did not authorize my credit to be ran by this dealership. 

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 non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I signed for a lease on XX/XX/XXXX. My lease payments were {$440.00}. Lease payments were due on XXXX of every month, and I have paid a total of {$15000.00}. This was a 36 month lease. As of today, XX/XX/XXXX I have an outstanding balance of XXXX. All of my payments were paid on time, each month, without interruption. XXXX XXXXXXXX Score is in the 800 's. 

I called Ally on XX/XX/XXXX, to find out how to go about extending my lease for either 3 or 6 months. The customer service representative said it is very simple, Ally would send out paperwork to extend the lease at the current lease monthly payments of {$44000.00} and there would be no additional fees associated with extending the lease. 

Fast forward to XX/XX/XXXX, I called to extend the lease and obtain the paperwork and the operator I spoke with then quoted me a monthly payment of {$750.00} each per month for a total of {$2200.00} for three months of extension. 

On XX/XX/XXXX I went into the dealership where I leased the vehicle at XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my salesperson asked around to his colleagues and stated they have not heard that Ally changed their process of lease extension. If they did change their terms of extending leases at a much higher rate, it was never communicated to the dealership nor the lessee. 

I called Ally back on XX/XX/XXXX and elevated the call to a Supervisor/Manager named XXXX who could not and would not provide me any explanation why the monthly payment drastically went up, almost doubling to extend the lease? Ally was not able to explain the increase and could not provide any financials to me giving me a rhyme or a reason to justify the higher monthly lease payments. 

XXXX promptly ended the call with me as he could not explain anything to me. XXXX simply said it's all in the computer and that is the way it works. 

What kind of company is allowed to operate in such a usury manner of charging almost double the monthly lease payment and offers absolutely no explanation as to why they are operating in the manner that they are? 

I do not feel this is ethical and I ask where is Ally 's integrity? A very poor way to conduct business and this type of nonsense should stop dead in its tracks. 

Thank you for listening.

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 2024-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

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