vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I have been trying to log in to my account with Transunion to put a credit freeze on and am unable to contact them. I can not log in and they say my log in information, user name and/or password, is incorrect. I have tried to change my password and am not able to do that either. I have tried multiple times to call their phone number, XXXX, to get help with my log in and am not able to get through. The phone number is the XXXX on their website. They claim they are having website problems and I need to try again later and on the phone I am kept in a loop waiting for an agent to take my call. I tried press option XXXX to have them call me back and that did not work either. When I press XXXX to stay on the line they play an incredibly loud and piercing sound that is deafening and hurts my hearing. I eventually have to hang up before I go XXXX. They need to contact me and provide me with assistance to change my password so I can log in and they also need to put a freeze on my account. I am placing a freeze because my information has been compromised twice recently. Other consumers need to be made aware that Transunion is a poor credit bureau, I can't even get my free credit bureau report from them.

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 2024-08-31 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I purchased {$500.00} worth in American Express gift cards split on to XXXX cards. I also purchased one {$100.00} XXXX gift card. Each card was purchased at the same XXXX on XX/XX/year> at around XXXX to XXXX. The purchases were completed and the money was withdrawn from my account. I activated all the cards at around XXXX to XXXX and they were all successfully activated. When I activated them I could see the money that was present in the cards account as well as the store that the cards were purchased at. I tried to make a purchase online, that accepted AMEX, and the card kept being declined. It said the card information was either wrong or it was declined. I checked multiple times to make sure the information was right and it was still declined. I tried to contact the customer supports, but I never recieved a good answer or any reasoning. I then took to online to see if anyone else had similar issues and what to do. I found out that people also shared same experiences as me and had the same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc.
State: NE

Complaint narrative:
Hello. I started this debt settlement program with Beyond Finance. I started making payment of {$91.00} something from XXXX to XX/XX/year>. When i checked my credit report there was only {$15.00} payment to XXXX XXXX account they were trying to settle. I already paid around {$900.00} maybe by paying {$91.00} every XXXX weeks and only {$15.00} was paid to the account. The rest of the payment goes to them. Even before i got into their program I was able to settle a few account with XXXX by negotiating directly before. No account was settled with Beyond finance. With that {$900.00} ( estimated amount ) i paid them they should have at least settled XXXX accounts. The promise to help me with my debt was not delivered. The program was almost 5 years when i have very little debt which are payable in XXXX years with set up payments. I was not really happy about their service and their staff will just say, you signed this and that. They should have reiterated that the ratio of payment to the creditor will be {$900.00} : {$15.00} then i should have not signed up for their program. All my payments just went to their fees. I wasted 6 months on their program.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Formal Complaint Against XXXX XXXX XXXX for Inaccurate Credit Reporting Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding ongoing inaccuracies in my credit reports related to a leased vehicle that was eventually deemed a lemon under Californias Lemon Law. Despite multiple assurances from XXXX XXXX XXXX that my payment history would be cleared as a goodwill adjustment, the inaccurate information persists across all three major credit bureaus. 

Background of the Issue In XXXX, I leased a vehicle from XXXX XXXX XXXX that soon developed significant mechanical issues. The car spent several months in the shop, during which time I did not have possession of the vehicle. Despite this, I continued to make lease payments on time, as agreed. Eventually, the vehicle was deemed a lemon under California law, and XXXX XXXX XXXX assured me that as part of the resolution, my payment history would be cleared as a goodwill adjustment due to the significant inconvenience and financial burden I endured. 

However, despite these assurances, my credit reports with XXXX, XXXX, and Equifax still reflect multiple late payments that should have been cleared. Specifically : XXXX & XXXX : 30 Days Late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Equifax : 30 Days Late on XX/XX/XXXX Account shows as current as of XX/XX/XXXX, which is inaccurate as the lease has since been terminated. 

Attempts to Resolve the Issue I have made numerous attempts to rectify these inaccuracies directly with XXXX XXXX XXXX and the credit bureaus, but the errors persist. XXXX XXXX XXXX refusal to correct these mistakes has resulted in significant financial harm, including the deterioration of my credit score, difficulty obtaining financing, and potential loss of favorable credit terms. 

This ongoing issue represents a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that companies furnish accurate information to the credit bureaus. XXXX XXXX XXXX failure to correct this known issue despite multiple opportunities to do so is not only negligent but also unlawful. 

Impact of the Inaccuracies The inaccurate reporting of late lease payments has severely impacted my financial situation. The vehicle in question was in XXXX  possession for several months due to its mechanical failures, during which I continued to make timely payments. These late payments should never have been reported, as the lease was under dispute and ultimately voided due to the vehicle being declared a lemon. 

The financial loss I have incurred due to these inaccuracies is significant, including higher interest rates on loans and credit cards, rejection of credit applications, and an overall decline in my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lockhart, Morris & Montgomery Inc.
State: NJ

Complaint narrative:
In XXXX, 2024, I settled an approximately {$11000.00} debt with XXXX, XXXX, and XXXX for approx. {$7000.00}. Prior to settling, I requested something in writing specifying that they would delete all negative information pertaining to this debt with all three credit reporting bureaus. Not only have they not honored this request, they've reported that the settled amount of {$7000.00} as only being a payment towards the original debt of {$11000.00}, which has left me with about a {$4000.00} balance with at least XXXX or XXXX credit bureaus. I would like to request that this matter be investigated with the utmost urgency as the law allows and that they report my account as paid in full. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: Transform Credit Inc.
State: GA

Complaint narrative:
UNLAWFUL AND FRAUDULENT USE OF MY SSN AND PERSONAL IDENTIFICATION INFORMATION TO PLACE A {$220.00} INSTALLMENT LOAN ON MY CONSUMER REPORT. ACCORDING TO THE FALSIFIED INFORMATION ON THE CONSUMER REPORT, THE ACCOUNT WAS OPENED ON XX/XX/year> AND REPORTED ON XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Account was paid for by LVNV FUNDING LLC..they are trying to collect on this when they already paid for..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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: IL

Complaint narrative:
Hello, on XXXX I was attending my sisters wedding and reception in XXXX, IL. During the reception I received a chase fraud text alert for the amount of {$150.00} at XXXX, i immediately responded NO to it and my card was cancelled, I then check my chase app and realize that payments before that went through : XXXX for {$150.00} for XXXX XXXX XXXX XXXX IN XXXX XXXX for {$150.00} XXXX # XXXX XXXX IN XXXX XXXX for {$150.00} at XXXX # XXXX XXXX IN and {$150.00} for XXXX # XXXX Colombus IN. 
The following day I called Chase and since the payments were made electronically I had to make a new log in for the Chase app. 
XXXX Chase sent me a letter stating charges were authorized. I called Chase multiple times and was informed to submit proof that I did not make those purchases, any proof I could that could not place me in IN that night, I sent in pics from the reception, text or the fraud text alert, pic of my XXXXXXXX XXXX history On XXXX I was informed that the charges were found to be authorized and the claim cant be re opened without additional proof. 

I have no other proof at the point to send in, Im frustrated and feel like theres nothing I can do after being a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX, XX/XX/2024, made a food purchase from XXXX in XXXX, CA for {$64.00} using my Wells Fargo XXXX XXXX for the full amount. 
On XXXX XXXXXX/XX/2024, Returned chicken due to it being undercooked ( wings were pink ) and ( boneless ) which was overcooked, burnt and not edible. I was told by employee XXXX that only the XXXX ( XXXX ) would be able to extend a credit or refund. I was told he would notify the XXXX. They stated they would keep the order so there would be proof of my complaint, which I agreed to. After not hearing from XXXX, I returned to to the store on XX/XX/2024 to follow up. I was told again by XXXX that the XXXX was not there but he would notify him again, I again left my cell number. 
I revisited the store on XX/XX/2024, XX/XX/2024, XX/XX/2024, and finally on XX/XX/2024, each of these dates I was told the XXXX ( XXXX ) was not there but messages were being left and they were not sure why he was not responding. XXXX stated " I will leave your cell number for him again '' which I provided. 
On XXXX, XX/XX/2024, I submitted Claim # XXXX via the Wells Fargo portal and was given a provisional credit. On XX/XX/2024 I provided additional statements as requested from Wells Fargo. On XX/XX/2024 I received a letter from Wells Fargo stating my claim had been denied because I had not provided the requested information. I contacted the Wells Fargo escalation department at XXXX and the person was beyond rude, told me there was nothing the could be done and hung the phone up.

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 2024-08-31 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Complaint Against Equifax Regarding Unavailability of Credit File Dear CFPB, I am writing to formally submit a complaint against Equifax, as I have encountered significant issues regarding my credit file. On XX/XX/year>. However, I was informed that they could not locate my credit file. They couldn't locate my file, but I have dispute letters that came in the mail. 

This response has raised my concerns, when disputing negative, and derogatory accounts on my credit report. I have provided all necessary identifying information, including my Driver 's License, utility XXXX, and XXXX XXXX as well. I disputed this derogatory account # XXXX XXXX XXXX XXXX to have removed from my credit report because it's impacting me from obtaining a mortgage loan. That account needs to be deleted from my credit report if they can't locate a credit file. I've had enough of the games I take my credit report seriously. 

I understand that under the Fair Credit Reporting Act, I am entitled to access my credit report and to dispute any inaccuracies. Therefore, I kindly request that the CFPB investigate this matter. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,

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

Complaint narrative:
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished his account that we didn't agree upon and i didn't sing an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

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 2024-09-01 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:
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished his account that we didn't agree upon and i didn't sing an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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: NY

Complaint narrative:
I noticed on XX/XX/XXXX that my checking account was overdrawn. I called Chase immediately and we went through all of my transactions. I looked at my checking account and saw that on XX/XX/XXXX a charge of {$250.00} was made at a XXXX in MA. On XX/XX/XXXX charges of {$250.00} were made at XXXX XXXX in VA and XXXX XXXX XXXX XXXX in XXXX On XX/XX/XXXX XXXX charges of {$250.00} were made at XXXX XXXX XXXX XXXX XX/XX/XXXX charges of {$250.00} were made at XXXX XXXX  in SC, XXXX XXXX XXXX XXXX XXXX SC and XXXX XXXX XXXX in SC. I called Chase on XX/XX/XXXX and they informed me my claim was denied because it could have been done online. When I look at my account it reports all of these transactions were done in person. I live in NY state and have not left the state. I have proof I was in the state as I was at work on XX/XX/XXXX and XX/XX/XXXX. I rented a cottage on XXXX XXXX from XXXX. I have a receipt proving I was at XXXX  in XXXX, NY ( where I live ) on XX/XX/XXXX and a receipt from XXXX on XX/XX/XXXX in XXXX XXXX, NY ( where I was renting a cottage through XXXX  ). I have my XXXX receipt for the time I was at the cottage. I have a picture of myself in XXXX XXXX on XX/XX/XXXX but did not use my debit card that day so I have no receipts for XX/XX/XXXX, other than the XXXX receipt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-31 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: NC

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 2024-09-03 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: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-08-31 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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXX

Company response to consumer: Closed with non-monetary relief