vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 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: NC

Complaint narrative:
My car loan was paid in full - my auto insurance & XXXX insurance carriers paid MORE than the full balance of the loan. 

I'd previously filed a separate complaint against XXXX XXXX XXXX XXXX in XXXX because they were reporting my loan as a charge off. They sent a response advising there was an issue with the payment from the XXXX insurance XXXX but they initiated another claim to get the outstanding amount & would correct my credit report once they received the payment. 

After a review of their financial records, in XX/XX/XXXX XXXX XXXX XXXX XXXX sent a letter advising that they discovered my loan was actually overpaid & issued a refund check plus interest ( see attached ). For some XXXX forsaken reason, XXXX XXXX began actively reporting the account as a charge off on my credit reports in XX/XX/XXXX & have been doing so for the last 6 months. Not only was the loan MORE than paid in full & not charged off, the loan is from XXXX & has not been active in years so there is no reason for them to be actively reporting it on my credit as a current charge off. 

This is the second time I've had to file a complaint against XXXX XXXX for adding wrong/disparaging information on my credit report. Obviously, this new issue with them has resulted in XXXX credit drop at their hands, They continue to cause me distress, both emotional & financial, with their inaccurate reporting. They've been fined for poor/predatory banking practices so many times that it's unbelieveable they are still allowed to do business. When are you all going to actually protect consumers & shut them down?

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 2024-01-09 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 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 2024-01-09 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: TX

Complaint narrative:
I notified the credit bureau ( equifax ) along with the XXXX companies ( XXXX XXXX XXXX dating XX/XX/XXXX, XXXX XXXX dating XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX dating XX/XX/XXXX ) that I am a victim of identity theft and that my credit profile has been compromised. I provided them with proof of FTC Identity theft report along with a notarized letter stating such, along with a copy of my driver license and social security card. They have yet to remove these Inquires from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I found out i had XXXX fraudulent XXXX loans 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 2024-01-09 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: CA

Complaint narrative:
I found out i had XXXX fraudulent XXXX  loans on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
There are XXXX accounts that DO NOT BELONG TO ME. 

XXXX. XXXX XXXX Balance- {$650.00} This has been on my Consumer report for over XXXX months now. Everytime I submit a complaint I get ignored or told that the account is rightfully mine without any one demonstrating any proof as to how they came up with this information. I was never notified of this debt and it does not rightfully belong to me. There are other people locally that have the same name as me seeing as it is a very common First and Last XXXX  name where I come from. 

XXXX XXXX XXXX XXXX  ( XXXX XXXX ) Balance - XXXX This account never belonged to me, and when I called in and spoke to a representative they told me the easiest way to get this removed from my consumer report would be to pay the debt off in full which I was reluctant to do seeing as I never defaulted on an account with this company. I have many properties and would have known if that was the case. I paid this debt off and they promised it would be removed XXXX days after payment was processed which was a lie because it is still on my consumer report. I have the recording in my possession which can confirm what I was promised and how I was misled into paying off an account that never belonged to me which is ILLEGAL!

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 2024-01-09 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account in collections in the amount of {$420.00} XXXX XXXX XXXX account in amount of {$300.00} All of these accounts are fraudulent and opened illegally because I was a victim of the Equifax data breach. There is a need to insure consumer reporting agencies exercise the responsibilities with fairness and a respect to a consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: CA

Complaint narrative:
On XX/XX/ I went into XXXX XXXX to have XXXX to remove a XXXX from my brain caused by XXXX sometime after I went into XXXX my debit card and wallet were stolen and all my money was drained out of my account putting me into the negative by over a XXXX Chase Bank instead of verifying the transactions decided to close the account and send it to collections. On XX/XX/ two days after leaving rehab from my XXXX I discovered what Chase Bank had done and proceeded to contact their executive offices to get this resolved. Chase Bank has since refused to assist me in any way telling me that because the account was closed they can not reopen it or dispute any transactions letting me know that my life savings was stolen from me and that Chase Bank executive offices as well as Chase Bank themselves refuse to assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CRM is attempting to collect on behalf of XXXX for a debt that isnt mine. This needs to be deleted from credit report as CRM is unable to show validity of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: TX

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-09 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I notified the credit bureau ( XXXX ) along with the XXXX companies XXXX XXXX XXXX XXXX dating XX/XX/XXXX, Ally Financial dating XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX  dating XX/XX/XXXX ) that I am a victim of identity theft and that my credit profile has been compromised. I provided them with proof of FTC Identity theft report along with a notarized letter stating such, along with a copy of my driver license and social security card. They have yet to remove these Inquires from 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 explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: WY

Complaint narrative:
I will start off I have never even heard of Wakefield and Associates and have never received any information about this company. I got the information about them from my credit report. On XX/XX/XXXX I sent by XXXX Mail a verification/validation of Debt to Wakefield and Associates about an alleged medical debt they just sent to my credit report with no information to me over anything. Wrong information is on that alleged medical debt I viewed on my credit report, and I wanted to verify and validate that all information was legally correct. They failed to respond to my request which is a violation of the Fair Debt Collections Act ( FDCPA ) Section 809 Subsection A as it's now an entirely new year ( XXXX ) with no information still. I also requested a copy per HIPAA of my signature to disclose my personal medical information with a XXXX party. All of which was ignored by Wakefield and Associates. I have disputed this ding on my credit report as incorrect and obtained fraudulently through XXXX for them to respond with " Account information disputed by consumer, meets FCRA requirements '' which is false because they haven't even responded over months of trying to verify/validate this alleged collection. They are doing this illegally, and I want it removed from my credit report as they violated the FDCPA regulations by just ignoring me while I wait for nothing, and they keep dinging my credit report by saying " missed payment '' when I've never even heard of Wakefield and Associates until I sent that certified mail of verification of debt! They are supposed to stop posting on my credit report until I am able to verify the alleged debt, and they have just been posting and posting without following the FDCPA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: TX

Complaint narrative:
I am writing to express my deep dissatisfaction and frustration regarding the persistent issues and multiple unsuccessful attempts to rectify the delayed opening of my account with Credit Bureaus. Despite my continuous efforts to resolve this matter, the issue remains unresolved, causing significant inconvenience and concern. 

I initiated the account opening process with your institution, and unfortunately, I have encountered repeated delays. I have diligently followed all required procedures, submitted the necessary documentation, and complied with your institution 's policies. However, the account remains unopened, and the lack of progress is causing undue stress. 

I have made numerous attempts to address this issue by contacting your customer service department, providing additional information as requested, and patiently awaiting a resolution. Regrettably, these efforts have not yielded the desired results, and the matter persists, impacting my financial plans and causing unnecessary frustration. 

Attached is a detailed record of my interactions with your institution, including reference numbers and specifics of each attempt made to resolve this issue. I urge you to review this information comprehensively and take immediate action to expedite the opening of my account. 

As a prospective customer seeking to establish a relationship with your institution, the current situation has fallen short of the expected standard of service. I understand that challenges may arise, but the repeated delays and lack of communication are unacceptable.

I request that you prioritize the resolution of this matter promptly and provide clear communication on the steps being taken to ensure the timely opening of my account. If my concerns are not addressed within the specified timeframe from the date of this letter, I may have no choice but to explore alternative banking options and escalate this matter to relevant regulatory authorities. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX Balance Owed : {$0.00}.

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 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank offers a reward point system as their " cash back '' on credit cards. These points are transferable to cash, or redeemable via a US Bank portal, however to redeem to cash, you can only do so in units of XXXX points. All promotional materials for US Bank credit cards note that you can receive " cash back '' for rewards spending on their credit cards, but there is no where, including in the card member agreement, that tells you that the redemption can only occur in units of XXXX and that you must have a minimum of XXXX points [ equivalent to {$25.00} ] to redeem points. This is deeply misleading to consumers as nowhere in promotional material does it suggest that redemption of rewards would be restricted like that, and then once you have an account, you need to constantly spend in order to achieve certain points totals, and unless you exactly mete out spending, there will always be 'superfluous ' points that can functionally never be redeemed for their cash value.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
1. The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 

2. 1. Validation of the debt-that is the actual accounting. 
3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
6. Please provide the original docurse and wet signature if you can't provide these items Delete them. 

Delete these fraudulent items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and illegal inquiries listed on the FTC I have provided.

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 2024-01-09 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: AZ

Complaint narrative:
1. The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 

2. 1. Validation of the debt-that is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you can't provide these items Delete them. 

Delete these fraudulent items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and illegal inquiries listed on the FTC I have provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: TX

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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