vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Please remove the following fraudulent inquiries and bad accounts reporting late payments from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. ( inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Please remove the following fraudulent inquiries and bad accounts reporting late payments from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. ( inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attach, along with the dispute, my fraud report that I just sent to experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

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 2024-07-21 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: PA

Complaint narrative:
I XXXX XXXX XXXX reviewed my credit report and found several accounts and addresses that are reporting in my account inaccurate. I am a victim of identity theft and did not authorize the charges. 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. By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months

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 2024-07-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: CO

Complaint narrative:
I made a purchase for installment payments when purchasing a new phone through klarna.com. 

Their system failed to process the order at XXXX but it still charged my card I contacted them so they could submit a reversal of the payment as there is no order I provided two agents all of the information and none of them knew what to do when requesting an authorization removal for a company error. 

They all refused to submit a ticket for me to get contacted by a supervisor or for them to escalate it in any way if they weren't capable of doing so I'm aware you can do this as I am a customer service manager and have done it many times. The last agent that finally submitted the request for a supervisor which I don't even believe could not providing me any verification ticket number anything for a call back from a supervisor, and also continued to press the issue beyond what I asked of filing a complaint on the customer service is why I wanted to speak to a supervisor I am about ready to lose a {$1200.00} promotion because their system failed to process the order none of them would even look into it as this is not a normal situation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: GA

Complaint narrative:
XXXX XXXX XXXXXX/XX/XXXX hard credit inquiry without permission. I didn't apply for account nor increase. Unknown why hard inquiry appears on TransUnion and XXXX. Please remove and update score. As of XXXX no hard inquiries should appear. 

XXXX XXXX or XX/XX/XXXX hard inquiry without permission nor application. XXXX. Please remove and update score. As of XXXX no hard inquiries should appear. 

Experienced many dark web activities and ALL credit bureaus should be locked and frozen due to identity theft attempts. Birth certificate, social security card stolen by landlord in XXXX. Drivers license stolen in purse in XXXX XXXX GA and by ex. Filed with each bureau credit still left vulnerable. All pertinent Information available on dark web. Please assist. Victim of breach and bureaus didn't apply extra security measures. Received email confirmation and small electronic pmt but no security measures. Please assist. Discrimination factors.

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 2024-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
On Saturday, XX/XX/2024, I did a {$170.00} transfer from Chime to my local credit union. The account was linked via XXXX, so it was set up correctly. 

Chime claimed they sent the transfer, but they never did. No funds were received to my credit union account. 

I filed a dispute with Chime, they closed it saying no mistake happened and they said they communicated with the receiving bank. 

However, I worked at my credit union, and I have friends who still work there. They did not contact anyone. 

Chime lies and does not send out the funds they said they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I recently filed a complaint about LVNV FUNDING attempting to collect a debt without properly giving me notification for the following account XXXX. I requested that they provide me with evidence that they gave me proper notice allowing me to dispute the debt before it reached my consumer report however they did not provide that document. I also requested the purchase agreement since they claimed that they purchased the debt but they also failed to provide that ( complaint # XXXX ). A different company ( Resurgent Capital Services ) than the onXXXX on my consumer report responded to my dispute which violates the Fair Debt Collection Practices Act. Now I am certain that they are attempting to collect a debt that is not owed and are falsely reporting an account on my consumer report without having any proper verification. XXXX has actually deleted this account from my consumer report which further proves the validity of my claim ( see attached ). Pursuant to 15 U.S. Code 1692g ( c ) Failure to dispute the validity of a debt can not be construed as admission ( I never received proper notification nor have they provided proof I received notification ). This is a huge violation of the consumer protection act and this is going to be their last chance to rectify this situation by deleting this account from my consumer reports before I seek further action. If LVNV FUNDING believes otherwise, then I demand that they provide the certified green return card bearing my signature at least 30 days prior to reporting this information AND the purchase agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ZWICKER & ASSOCIATES
State: CA

Complaint narrative:
A process server entered my private property which clearly states no trespassing and cameras and recording are present. He presented himself as a USPS worker and placed a Priority Mail document on my door 25 yards from my locked gate with no trespassing sign. It was not address to me or any of my residences, there was no return address so I called the USPS and they stated that they were never paid to deliver nor was it delivered by them. So since it was was not US mail I opened the package only to see they are suing a XXXX XXXX XXXX. I attempted to look up some of the attorneys listed and one of them states they are not allowed to practice law in XXXX XXXX  XXXX XXXX XXXX. I had to take my medical devices off because I thought it was a government agency the USPS only to find out they are deceiving me and it was not even for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for negative accounts. I have tried numerous times to have this situation resolved with no resolutions. 
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 explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I have attempted to access my credit report on the Experian app and regular website. It had not been updated since XX/XX/XXXX. The error says that my creditors may have different information and I can't have access until it is fixed. 

I called Experian member services. The agent told me that it hasn't been updated because my creditors have not sent Experian any information. She recommended I call every company and ask them to send Experian my account information, which is ridiculous. 

She told me there is nothing that Experian can do to fix this. She was rude, raised her voice, and spoke over me. She further stated that I can not prove that my creditors are or are not submitting information to them without calling. 

I advised her that XXXX, my student loan company, reports to all 3 credit bureaus monthly. She then said that I haven't had student loans on my credit report since XXXX ; which can not be true since I have 4 years of payments to finish. 

I called back the following Monday and was transferred to another department. The man I spoke with says there was nothing wrong with my report and wanted to transfer me back to member services. When I asked for someone above him to help make sense of this issue, he hung up on me. 

I have been denied credit line increases because when the company attempted to pull my Experian account, they were told there was no credit file available. 

Experian is deliberately interfering with my ability to conduct business and refuse to fix the issue.

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 2024-07-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN IM A VICTIM OF IDENTITY THEFT SOMEONE HAS MADE PURCHASES USING MY PERSONAL INFORMATION AND ITS BEEN A ON GOING BATTLE FOR OVER 10 YEARS

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 2024-07-21 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:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for negative accounts. I have tried numerous times to have this situation resolved with no resolutions. 
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 2024-07-21 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:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for negative accounts. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I am XXXX XXXX and I opened an account with Navy Federal in the summer of 2024. After completing additional identification requirements with the security team, I was finally approved and received a debit card. 

However, after logging in a few times and activating my card, I encountered a locked message when attempting to log in. Subsequently, I received an email stating that my account had been denied. Despite having verified my identity three timesonce over the phone and twice via email to the security teamI have experienced delays and a lack of solutions. There has been no clear response or resolution provided to regain access to my account. 

I feel that this situation may involve discriminatory practices and request a thorough review and resolution to regain access to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
I don't know how this company or " sisterhood of companies '' got my address or opened credit card accounts in my name. I admit I don't always pay too much attention to bills and have been known to pay bills I don't owe just to get them out of my sight. But twice now, these " sister companies '' ( XXXX XXXX, and XXXXXXXX XXXX  ) have sent me bills for amounts greatly more than the amount of merchandise they say was ordered. 

I did not order anything at all from them and I did not receive anything. They don't answer me and continue to send bills that increase by {$49.00} each month, when the merchandise they are saying was ordered was less than that. The first time, it was referred to a bill collector, XXXX XXXX, and I talked to the agent, explained the situation and he agreed to deal with it. He did, and I received no more bills for about a year, I think it was. 

Then the same thing happened again, with " XXXXXXXX XXXX '' and I explained what happened when they called. This time, the agent not only refused to stop with the late fees until we could get it straightened out, but reinstated the other debt that had been written off! 

I don't like to be scammed, but it's tempting to just pay it to stop the harrassment. However, I don't think it's right, and if no one fights them they'll just keep on with this kind of thing. 

It is totally wrong to charge late fees that amount to more than the original merchandise, totally wrong to keep compounding them month after month, and totally wrong to harrass people who have not ordered or received merchandise for payment on these bogus accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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. 
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 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 Section 2 : It also states a consumer reporting agency 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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( 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 explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A hard inquiry by XXXX on XX/XX/XXXX, at XXXX XXXX XXXX XXXX, XXXX, FL XXXX, initiated by XXXX. 

A collection account opened by XXXX XXXXXXXX XXXX on XX/XX/XXXX, with an original amount owed of {$1200.00} from XXXX XXXX, under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

A collection account opened by XXXX XXXX on XX/XX/XXXX, with a balance of {$2400.00}, under account number XXXX XXXX. 

An installment account with XXXX XXXXXXXX XXXX XXXXXXXX, opened on XX/XX/XXXX, with a high credit of {$720.00}, under account number XXXX XXXX 

An installment account with XXXX, opened on XX/XX/XXXX, with a high credit of {$2500.00}, under account number XXXX XXXX 

An installment account with XXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$15000.00}, under account number XXXX XXXX. 

A revolving account with XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$2300.00}, under account number XXXX XXXX 

A revolving account with XXXX XXXX opened on XX/XX/XXXX, with a balance of {$180.00}, under account number XXXX XXXX. 

A revolving account with XXXX XXXXXXXX, opened on XX/XX/XXXX, with a balance of {$5300.00}, under account number XXXX XXXX. 

A revolving account with XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$460.00}, under account number 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 explanation