vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-02 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: AL

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 non-monetary relief
Consumer complaint received 2023-10-02 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: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
All the amounts and dates are incorrect, there are lots of errors and inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: UT

Complaint narrative:
Please see attached file

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 2023-10-02 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: Grain Technology, Inc.
State: NY

Complaint narrative:
FCRA 15 U.S.C. 1681i : ALL UNVERIFIED ACCOUNT MUST BE PROMPTLY DELETED. 
I NEED YOU TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT YOU CAN NOT KEEP ON VIOLATING MY RIGHTS.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
On or about Friday, XX/XX/2023, I received in the mail a debt collection letter from Southwest credit systems , L.P. ( Southwest ). In the debt collection, letter, Southwest claimed to be collecting a debt of {$110.00} on behalf of XXXX. The debt collection number provided a reference number and contact information. 

I contacted XXXX who confirmed that a bill was never sent to Southwest for collection. XXXX informed me that this is an ongoing and prevalent issue with Southwest and that XXXX no longer accepts payment over the phone because of Southwests fraudulent activity. 

It should be noted, that I did in fact have a bill with XXXX, in the amount of {$110.00} - precisely the amount Southwest alleged they were attempting to collect. I have paid this amount already and directly to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Ollo Credit Card account balances were acquired by Ally Investors. 
New Ally Credit Card was issued and has been received. 

For approximately THREE ( 3 ) weeks, there has been an INABILITY to access my Ally account information. AN ADVISORY COMMUNICATION FROM OLLO SAID THE NEW ALLY CREDIT CARD INFORMATION WOULD FUNCTION IN THE SAME MANNER. 

Ally 's customer service ( different person each time ) has on XXXX phone call from me to Ally, stated my complaint has been noted and is under investigation ; that an Ally representative would telephone me ( only promised XXXX of the 7 times ). My most recent telephone contact was today, XXXX, XX/XX/XXXX. 

Ally 's Customre Serice person can not /will not provide an estimated length of time when this problem will be resolved. 

Given the summation of various of various Ally Credit Card Company comments, I surmise a much larger consumer financial information access problem exists for many, if not all of those persons with Ollo accounts who had their accounts transferred to ALLY - I encourage FCPB to look into the entire situation and use its influence to help further Ally to fix the problem ( s ). 

THANK YOU FOR YOUR ATTENTINO TO THIS MATTER.

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 2023-10-02 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: GA

Complaint narrative:
I accordance with Fair Credit Reporting Act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 DPT EDXXXX XXXX XXXX Has violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 section 2 : It also states a consumer reporting agency can not furnish an account without my written permission.

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 2023-10-02 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:
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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number:XXXX  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 non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Citibank XXXX XXXX card. 

My XX/XX/XXXX statement had a {$1600.00} balance, which I paid via paper check and put in the mail on XX/XX/XXXX. My bank is XXXX XXXX XXXX XXXX. 

This check was cashed twice by Citibank : XX/XX/XXXX Check # XXXX, tracer # XXXX XX/XX/XXXX Check # XXXX, tracer # XXXX Citi bank statement XX/XX/XXXX - XX/XX/XXXX showed that XXXX was paid ( XXXX twice ) and XXXX credit applied. 

I called Citi bank and requested the credit be reversed, and a REFUND be sent to me. 

Citibank reversed the credit and never sent me a check. I am still owed XXXX. 

I have called every few days for XXXX  months with no resolution. Each call lasting approximately XXXX min since XXXX. I have not been able to work while on these phone calls. 

On XX/XX/XXXX, Citibank requested proof that a refund was not sent to me. 
I sent XXXX ( accounts manager at XXXX ) a FAX which was a XXXX history of my checking account transactions ( XXXX pages - which I was told the {$24.00} would be reimbursed ). 

No response to FAX or investigation from Citibank. 

Since XXXX, Citibank has claimed the issue is under investigation. I have spoken to at least XXXX managers, multiple service call individuals, yet no resolution to date.

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 2023-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/2023, I received an email from Chime Financial , Inc., asking me to set up direct deposit. 

On XX/XX/2023, I received another email, stating my Chime Visa Debit Card has been shipped to an address where I have not lived for more than a decade. Notably, I never signed up for a Chime account ; in fact, I've never heard of Chime. 

On XX/XX/2023, I received two emails from Chime stating I'd successfully sent Pay Anyone Transfers in the amount of {$500.00} and {$0.00}. I immediately contacted Chime and requested they close this account ( I had never opened ). 

I received an Account Closure email from Chime on XX/XX/2023 with the assurance that I would not be responsible for any activity associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: MD

Complaint narrative:
I sent a letter dated XX/XX/2023 to XXXX disputing an account reported on my credit. 
This letter was sent out as written below : XX/XX/2023 Dear XXXX, I am writing to you because I have recently reviewed my credit report & I found several discrepancies in the below account you are reporting. 
I previously requested that you provide the original contract for the item that I previously disputed that are listed below. I have reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant. 
Please DELETE any accounts that you can not provide the original contracts for that show the lawful collection fee amount. 

-Account Name : [ XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Original Merchant Balance Amount : {$7400.00} Collection Balance : {$7400.00} You are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report. You are required to do this under the FCRA 609/611 provisions. Also, I would like an updated copy of my credit report once this investigation is complete. 
Thank you, XXXX XXXX This was the second letter sent due to receiving a response to my first letter where only XXXX account was removed. And no further information regarding the above account in dispute. 

Ive received the Domestic Return Receipt For the letter sent out on on XX/XX/2023 and so I know its been received.

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: NC

Complaint narrative:
I signed up with a credit bulider plus accout with Money Lion. The money is put inot reserves until you pay it off, This account is designed to be a credit builder. They have reported me 3 months late on money that is in reserves, and have no access to, and have severely hurt my credit report. I am small business owner, so it really took a toll on me. When I spoke to the XXXX, she refused to give her last name or I.D., she was extremely rude. I would like a full refund of the money I unvested into to this credit bulder loan, I was told that they can not close my loan until I pay it in full. Once, again, never recieved but {$100.00}, which is now part of the reserves plus the {$200.00} invested. The lady told me they reported me because they couldnot get in touch with me? I beleive I may have been scameed out of {$220.00} and negative credit report. All I want is my {$220.00} back, and for them to remove all the negative reporting off of my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: TX

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: ME

Complaint narrative:
I had to have lab work completed in XX/XX/XXXX, the company requesting payment XXXX XXXX XXXX XXXX XXXX Maine, I had to file XXXX complaints with their patient relations department regarding these charges. Twice the day I had the lab work drawn as they could not figure out how to enter my insurance information into their computer system and I provided them with a copy of the card, the registration rep still could not enter it and made me self pay. I had to call patient relations to get it resolved. Never heard anything again. I then get a bill from them in XXXX of XXXX prompting a call and they are telling me its not self pay charges its what I owe for not meeting my deductible. I never got an EOB, I never got an invoice until 14 months later, I called did not get it resolved and reported to patient relations again. I called Paragon review once I got the collections notice as I was never given any answers from Innovative Health who assured me a callback from a supervisor in XX/XX/XXXX. I told this information to Paragon that I am disputing. This falls under the No Surprise Act. I was never given any opportunity to make payments, never provided a EOB and would pay charges that were mine but I am not paying for " surprise charges '' especially when I did due diligence to rectify this before it got to collections. This is Innovative Health Error and they are responsible for the charges. I take my credit very serious and I pay my bills, that is why I am taking all necessary steps to fix this even though I tried several times before this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: SC

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. 

XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$6400.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$730.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$16000.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$550.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$540.00}. 
XXXX account from Unknown with account # XXXX and a balance of {$690.00}. The original creditor is Unknown. 
XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1600.00}. The original creditor is XXXX BANK. 
Collection account from XXXX with account # XXXX and a balance of {$4500.00}. The original creditor is XXXX XXXX. 
Collection account from XXXX with account # XXXX and a balance of {$1000.00}. The original creditor is XXXX XXXX. 


I couldn't apply for any loans because of these negative items on my report which should not be there and and it's stopping me to get a better place for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc
State: NY

Complaint narrative:
Insurance paid this bill my copay was {$150.00} which I paid at the time of the hospital visit. Numerous phone call to the hospital has returned the same results that I do not owe any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: RI

Complaint narrative:
I DONT AUTHORIZE THESE INQUIRIES 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I DONT AUTHORIZE THESE INQUIRIES 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 non-monetary relief
Consumer complaint received 2023-10-02 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: CA

Complaint narrative:
I DID NOT RECOGNIZE the following inquiries. As such, it is a very serious error in reporting. I asked several times XXXX and TransUnion to DELETE THIS FRAUDULENT AND/OR UNRECOGNIZED HARD INQUIRIES XXXX. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX, XX/XX/2023 This is a violation of 15 U.S. Code 1681i ( 5 ), Removal of Inaccurate/invalidated credit information. Please remove 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 explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
Information not correct reporting wrong amount incorrect information on all of credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
report number XXXX for dates XX/XX/XXXX  & XX/XX/XXXX  requested proof of being late on this account. 
response was " we have validated and verified with the original creditor that the late payment in question is accurate ''

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 2023-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: PA

Complaint narrative:
Moved from XXXX XXXX XXXX XXXX, PA XXXX on XX/XX/2019. 

No owners never changed utility into their name and used electric in my name fraudulently. I contacted XXXX numerouse times. Will not remove negative collection from report for {$2700.00} Penn Credit Cor CpXXXX XXXX {$120.00} XXXX XXXX XXXX XXXXXXXX

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