vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear XXXX, I, XXXX XXXX XXXX , am writing on my behalf to express serious concern over inaccuracies and violations of my rights under the Fair Credit Reporting Act ( FCRA ) found in my credit report from TransUnion.

Upon my review of this report, I have found multiple discrepancies, including incorrect addresses and several derogatory marks that are not associated with me. I must stress that I have never provided written permission for these details to be added to my credit report. This behavior is a clear violation of the FCRA. 


I also request the immediate removal of the following incorrect previous addresses : XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX Please update my address to the following : Furthermore, there are derogatory marks on my credit report that are incorrect. The specific accounts are as follows : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Accounts # XXXX Account Type : Collection Account Status : Derogatory Balance : {$1600.00} each Date Opened : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Last Reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Account Type : Collection Account Status : Derogatory Balance : {$960.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX I request that you take immediate action to investigate and rectify these inaccuracies. In accordance with the FCRA guidelines, I expect these inaccuracies to be corrected within the stipulated 30-day timeframe. If these inaccuracies are not rectified within this timeframe, I may be forced to seek legal redress.

Please note that the FCRA, under 15 U.S.C. 1681 Section 602 A, stipulates my right to privacy. Additionally, under 15 U.S.C. 1681 Section 604 A, a consumer reporting agency can not furnish an account without my written instructions. Any violations of these regulations will lead me to seek a fine of {$1000.00} per violation as provided for under the FCRA.

I anticipate your immediate action to investigate these matters and provide written confirmation once the requested changes have been implemented.

Thank you for your prompt attention to this critical 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 non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I would like to complain XXXX XXXX XXXX about : +++ Charging excessive interest rates and fees, +++ Engaging in unfair debt collection practices, +++ Misrepresenting the terms of loans to consumers with low credit scores, and +++ Failing to disclose important information about loans and fees, I paid XXXX for payments on XXXX aldredy and after XXXX they send me another bill XXXX, I think that payment I just make it, maybe letter send late, that why I did not paid more, from XXXX until XXXX, I did not see any bill about payment, I dont remember, because I am very busy for selling house moving to Texas, with XXXX kid, The day XX/XX/XXXX at XXXX XXXX., they took my car, and did not tell me Anything, I still have lot thing on my car, and alot paper very important for my kid go school, when I bought the cars, the XXXX only XXXX with high interest they give us, and fee, total XXXX , that not fair and too much for my interest and fee, anything they want to take my card, at least let me know, I can remove all my stuck in there, I have loan car with them after I down XXXX, and couple month paid, and they took my car, that enough money aldredy, they can not take everything on my car, paper, money in the car, they should be take car only if I dont paid.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX  XXXX # 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 a account without my written instructions 15 U.S.C 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

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
XXXX has not been updating my account. They are reporting my credit score at XXXX Compared with XXXX XXXX at XXXX and XXXX XXXX they are way behind on updating info. 

The loan balance from XXXX XXXX XXXX XXXX has not been updated since XX/XX/2023 and the balance has dropped by {$2800.00} and has never been updated to reflect that. The current balance owed is {$3500.00} The loan balance from XXXX XXXX XXXX XXXX XXXX has dropped by {$4300.00} on XX/XX/2023 and has never been updated to reflect that. 

" On XX/XX/2023, your XXXX XXXX XXXX XXXX student loan account balance decreased by {$4300.00} from {$8900.00} to {$4500.00}. '' Here are the following accounts that have been disputed and removed by XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Removed from report on XX/XX/2023 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Removed from report on XX/XX/2023 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Removed from report on XXXX XXXX XXXX XXXX They also have some personal info that is not correct as well. They have a FORMERLY KNOWN AS name of XXXX which is not me. 

XXXX dropped my credit score by XXXX points for absolutely no reason. No other reporting agency has ever done that. 

There are also some of the same discrepancies in the XXXX report. I am attaching all related info and notices of removal from the report or updated info. 

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
XXXX has not been updating my account. They are reporting my credit score at XXXX Compared with XXXX XXXX at XXXX and XXXX XXXX they are way behind on updating info. 

The loan balance from XXXX XXXX XXXX XXXX has not been updated since XX/XX/2023 and the balance has dropped by {$2800.00} and has never been updated to reflect that. The current balance owed is {$3500.00} The loan balance from US DEPT EDUCATION XXXX XXXX has dropped by {$4300.00} on XX/XX/2023 and has never been updated to reflect that. 

" On XX/XX/2023, your US DEPT OF EDUCATION student loan account balance decreased by {$4300.00} from {$8900.00} to {$4500.00}. '' Here are the following accounts that have been disputed and removed by XXXX. 

CCS COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX ( Removed from report on XX/XX/XXXX XXXX XXXX XXXX CCS COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Removed from report on XX/XX/2023 ) CCS COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Removed from report on XX/XX/XXXX  ) They also have some personal info that is not correct as well. They have a FORMERLY KNOWN AS name of XXXX which is not me. 

XXXX dropped my credit score by XXXX points for absolutely no reason. No other reporting agency has ever done that. 

There are also some of the same discrepancies in the XXXX report. I am attaching all related info and notices of removal from the report or updated info. 

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I was a victim of XXXX XXXX coerced into being a co-signer on a vehicle that an individual did not pay on or settle. Im a victim and shouldnt go through this. I will get a lawyer if I have to. This has been going on too long and none of the credit bureaus seem to care. I need this fixed immediately it was done to hurt my finances. Ive disputed it countless times and havent received a positive result.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I am a XXXX veteran with a NJ Property tax exemption. Mr. Cooper has been overcharging me property taxes for close to a year. They were made aware of my tax exemption for close to a year The county and town tax collectors have repeatedly reached out to the company to stop this predatory charging without any help. 
I finally had to reach out to my congressman for help for them to recognize my tax exemption. Now that they were forced to stop charging me for taxes, I don't have to pay no one at Mr. Cooper knows where the overcharged money is. I have overpaid close to 9,000.00 in taxes and no one at Mr. cooper has any clue or cares. I am curious how many other veterans this company has done this too?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
An account was opened in my name, but I did not open it. I called in XX/XX/XXXX because I was getting emails to confirm my account with Bank of America. I called in and ended up with the fraud department and was told the account would be investigated and closed. I was told I was not responsible for the account. 

Today my mother brought me a statement mailed to her address but in my name from Bank of America. I opened the statement and could see there was a savings account open, and had a balance of {$280.00}. I called in again to Bank of America and was told the account was closed XX/XX/XXXX. I expressed my concerns that this account was to be closed almost a year ago. I requested a letter/document showing the account is closed and is no longer associated with my social security number/name etc. I will update this complaint if I receive the letter.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I summited a dispute. 
I have just checked my credit report and I see that the item is not marked disputed so I am unsure if the company is following the law, because 15 USC 1692e ( 8 ) states Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
here is my account info to use during your investigation into this matter account name XXXX # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXXXXXX / 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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX  XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: WA

Complaint narrative:
On XX/XX/2023 there was an unauthorized debit in the amount of {$11000.00} was debited from my account. To date chase was not credited my account nor have they explained why they haven't nor have thy explained how it occurred. Further an additional debit in an amount over {$10000.00} was attempted on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
For over the past several years my personal information has been dumped on the dark web and the internet. Over 1000 cases of fraud on my account. Accounts emptied. Mail stolen. All due to credit card companies and credit bureaus and banks failing to secure their databases allowing information theft. I have spend the last several years working to clear my financial records. In the past year starting in XX/XX/XXXX and in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have sent debt validation letters, some not asked for by creditors in a effort to research issues with fraud. This creditor has not seemed to respond to my letters within 30 days. The creditor needs to respond within 30 days to requests.

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 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
For over the past several years my personal information has been dumped on the dark web and the internet. Over 1000 cases of fraud on my account. Accounts emptied. Mail stolen. All due to credit card companies and credit bureaus and banks failing to secure their databases allowing information theft. I have spend the last several years working to clear my financial records. In the past year starting in XX/XX/XXXX and in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have sent debt validation letters, some not asked for by creditors in a effort to research issues with fraud. This creditor has not seemed to respond to my letters within 30 days. The creditor needs to respond within 30 days to requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
date : XXXX XX/XX/, amounts : {$59.00} + {$99.00} two transactions, Merchant : XXXX XXXX XXXX Bank : American Express credit card. 

I downloaded XXXX app on my XXXX XXXX XXXX  from XXXX store on XXXX XX/XX/2023. I paid {$59.00} for download XXXX XXXX on my XXXX  and {$99.00} for download XXXX  on my XXXX. I use American Express for both transactions. After i made the payment. I tried to use XXXX. it was not working on my XXXX  and XXXX. i did some trouble shootings still same issue. Then i purcahsed XXXX XXXX from app store on my XXXX. XXXX  works very well on my XXXX. then i purchased XXXX XXXX from app store on my XXXX. XXXX XXXX works very well on my XXXX. I found it is not my device problem. then i request refund from XXXX on XXXX XXXX XXXXXXXX XXXX denied my request. then i contacted XXXX. XXXX  only have email contact method. i emailed XXXX  3 times. i only got automatically reply while i sent the email to them. after that no further response. then i contacted American Express to fill dispute charge on XXXX of XX/XX/2023. The agent from American Express recommend me contact XXXX  again and denied my dispute reques. I contacted XXXX  on XXXX XXXX again. XXXX recommend me to contact American Express. Then i contacted american express again. at the meantime i request to talk to supervisor of XXXX. then i had phone call with American express and XXXX  together. they both just talked their own policy that is i am unable to get refund even the application not working. I entreat both parties. Finally American Express said could fill a dispute case for me. However, I will get the same result because XXXX has denied my refund request. they cant get chargeback for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CT

Complaint narrative:
Extension was requested and granted on XX/XX/2023 for payment months XXXX, with next payment due month XXXX. I have received a cure notice since that time threatening further action. Fifth Thirds is also reporting these months as delinquent to the credit bureaus. This has since caused other companies to reduce my credit limit further impacting the damage fifth thirds is causing by inaccurately reporting. I have contacted fifth thirds when I received the cure notice and was informed there were extension files from XXXX that were not processed but they would make sure this gets handled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I purchase a XXXX XXXX camera in the amount of {$1300.00} using PayPal to pay the seller on my debit card on XXXX XXXX and never received the item and PayPal refuse to help and closed my complaint case against the seller on three different times. The merchant is XXXX XXXX and his info is XXXX and transaction id XXXX. PayPal posted on there site consumer who use the site will have purchased protection but they do not stand by that is saying they are exactly the same as a scammer themselves and someone should put a stop to PayPal doing this to consumer. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I was a victim of XXXX XXXX  coerced into being a co-signer on a vehicle that an individual did not pay on or settle. Im a victim and shouldnt go through this. I will get a lawyer if I have to. This has been going on too long and none of the credit bureaus seem to care. I need this fixed immediately it was done to hurt my finances. Ive disputed it countless times and havent received a positive result.

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 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: IN

Complaint narrative:
On XX/XX/XXXX my phone was stolen and the following month I tried to get into my account to chime they refused to let me by the time they let me in it was after XX/XX/XXXX and I have received a payment and they hacked a bank transfer to their account and drained my account I follow dispute with chime and they refused to refund my money even though the transfer happened while I couldn't even access my account

Company response to consumer: Closed with explanation