vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-08 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 XXXX Account # XXXX has violated my rights. 

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 an account without my written instructions.

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 2023-09-08 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 XXXX Account # XXXX has violated my rights. 

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 an account without my written instructions.

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 2023-09-08 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: WV

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX, XXXX XXXX on XX/XX/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 2023-09-08 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: CITIBANK, N.A.
State: WA

Complaint narrative:
I've tried contacting CBNA, Wayfair, as well as Citi Bank concerning their fraudulent reporting they've been placing on my credit report. I've called and disputed this since XX/XX/2023 to no available helps, no agent has been able to even confirm the account. According to their reporting to XXXX, they are making claims to have confirmed the accuracy while indeed it is fraud. I don't nor have I ever held an account or authorized use with Citi Bank, Wayfair, or CBNA or authorized the use of my information as a co-signer/authorized user. It's been incredibly frustrating getting this removed from my credit report and to keep my score from dropping. The card number provided by CBNA via mailed letter, has not been able to be located nor my information as a whole. The company has sent a letter but the contact number listed, they have said there is no account with my information. Incredibly confusing, enraging, and frustrating to say the least. I do not live in the state in which the account was opened. I did not authorize my information to be used. The company was not able to locate the account number sent via mail and multiple employees as well as managers on a recorded line are saying the account doesn't exist yet it is on my credit report and causing my score to drop in large numbers.

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 2023-09-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: PA

Complaint narrative:
I need assistance settling an account with XXXX XXXX. Following are the facts of the matter : 1 ). On XX/XX/2023, I moved my phone service from XXXX XXXX to XXXX XXXX XXXX. I have copies of text messages sent to me by XXXX XXXX on the very same day acknowledging the transfer of service. 

2 ). On XX/XX/2023, XXXX XXXX sent me an email in which they claimed my last day of service was XX/XX/2023. I had not had service with XXXX XXXX since XX/XX/2023, when XXXX XXXX XXXX became my carrier. 

3 ). On XX/XX/2023, I received an email from XXXX XXXX claiming a balance of {$120.00} was due by XX/XX/2023. This was the approximate amount of my usual previous monthly XXXX and did not appear to be an adjustment bill for final charges. I attempted to access the account online to view the charges since the email contained no details, and I learned that XXXX had locked me out of the account. 

4 ). I called XXXX XXXX on XX/XX/2023, to request that the bill be sent to me so that I could view the charges and I was informed that it would be sent to my current address which I provided to the customer service representative. 

5 ). On XX/XX/2023, just two days after the bill had been due ( I never received the bill by mail ), I received an email from MRS BPO , LLC, a collection agency located at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, regarding the XXXX XXXX XXXX. 

6 ). I promptly wrote to MRS BPO , LLC on XX/XX/2023, to dispute the amount and to request a copy of the bill and verification that it was for services prior to XX/XX/2023. 

7 ). I followed up with an email to MRS BPO , LLC on XX/XX/2023, requesting that they acknowledge my dispute letter. 

8 ). I have never received a response from MRS BPO , LLC, the collection agency, to my communications to them. 

9 ). XXXX XXXX has reported the account as a collections account on my credit report. 

10 ). I have been unable to obtain a copy of the final XXXX XXXX XXXX from either XXXX or MRS BPO , LLC so that I can ascertain whether any of the charges are for service after XX/XX/2023. 

XXXX XXXX has ruined my credit rating. I want to pay any charges I owe that are for service prior to XX/XX/2023, but I can not get XXXX or MRS BPO , LLC to account for the balance XXXX claims I owe. I also want XXXX to remove the collection item from my credit report since I have dealt in good faith to try to obtain information from them that they were obligated by law to provide to me. I want any award from XXXX and from MRS BPO , LLC that the law entitles me to for their infractions of Fair Debt Collection practices. 

Please advise. I have copies of all the documents I have mentioned. I appreciate your assistance with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Someone fraudulently accessed our XXXX account and sent themselves XXXX in illegal wire transfers. We dutifully reported this to our bank who closed the case, and claimed that it was a legitimate transaction authorized by us. They are now actively participating in defrauding us of our own money and refuse to assist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-08 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: WV

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXXXXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXXXXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX, XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 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: IL

Complaint narrative:
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 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 2023-09-08 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: WV

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 Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX XXXX real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's stressing me out and those negative items are already old but still reporting on my 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 2023-09-08 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: WV

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 Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's stressing me out and those negative items are already old but still reporting on my 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 explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX Account, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

" All Rights Reserved ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: CA

Complaint narrative:
I requested my report, in the mail i received notification they didnt have it or could not verify me, i contacted them on XX/XX/30 and was able to get my identity verified They sent me a letter with a link to my report which i could not access, i contacted support via email, they tell me to call, i can not get through to a live individual I contact them via email and ask for a supervisor, they refuse to comply and thus have not provided me with the report i have asked for They replied to case XXXX and essentially sent the same thing that they did before, i complied with their requests, they did authenticate me and sent me my file link but the link did not work, now all of a sudden they cant authenticate me again and want me to go through their lengthy procedure that originally failed I got a voicemail from XXXX XXXX on XX/XX/30 XXXX XXXX i returned her call on XX/XX/30 at XXXX to which i left a voicemail and to this date i have not had my call returned, i am providing screenshots showing that i did indeed call and that the call time was 23 sec which is enough time to leave a proper voicemail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I rented a car through XXXX on XXXX XXXX XXXX in New York City for the dates of XX/XX/2023 through XX/XX/2023, and they did not provide me with an XXXX XXXX ( that I requested ), and this resulted in additional charges. However, the price of my XX/XX/XXXXday rental was initially {$320.00}, and I was charged an additional {$290.00} upon returning the vehicle ( I never received a receipt to explain the charges, and I can not get in touch with an XXXX representative over the phone ). I returned the car on time and with no damage, and I did not incur {$290.00} in tolls driving to Delaware and back. 

I tried submitting a dispute for the additional {$290.00} through the Chase Bank app, but they redirected me to a phone line with long ( XXXX hour ) wait times. I would like Chase to reach out and help me dispute this erroneous charge. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: IL

Complaint narrative:
Transunion, XXXX, and XXXX continue to report inaccurate information on my consumer report relating to account XXXX XXXX Account # : XXXX Account # : XXXX XXXX XXXX XXXX Code : Individual Individual - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$260.00} {$260.00} {$0.00} Credit Limit : {$200.00} {$200.00} {$0.00} Payment Status : Current Current Unknown Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-09-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I purchased a vehicle from US Auto sales and did not know that they were going bankrupt. Before they went bankrupt we set another agreement about my payment for my vehicle which was supposed to be once a month. But now that they have went bankrupt, I am paying money to a debt collection agency by the name of West lake portfolio management and they are trying to go outside of my contract. Trying to make me pay my card note more than what the contract was that I signed with US Auto. They are trying to tell me that my car is up for repossession and they are saying that I owe {$800.00} which is way more money than I owe and I have been trying to get this figured out with them for quite some time now. But as I stated before they refuse to communicate with me. I contacted legal services which is where I got the information to contact this company because they said they also have had multiple people come to them with the same issue and they have had their lawyers contact them and they have not responded to them as well.

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 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I signed up for a credit card with Citi. The card has an annual fee. 

The bank never sent my credit card. But the annual fee was still charged and a late fee assessed. 

Because I never received the card, I assumed the account was never opened. 

I've contacted Citi and have spent 90 minutes in customer support XXXX. I'm trying to close my account. The agent refuses to let me close the account. They continually try to upsell me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-08 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: VA

Complaint narrative:
I paid off my XXXX account in XX/XX/2022. As of today, XX/XX/XXXX - XXXX has not updated the balance on the three credit bureaus ; I have opened eleven disputes regarding the balance of my account. No one is reading the account status - to the letter! 

The majority of the customer service representatives have language barriers- unacceptable. The department that handles the credit reporting need additional training.

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