vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ID Theft Insurance - XXXX XXXX XXXX XXXX Transunion : Unauthorized Use of Credit Information-Resulting from Identity Theft due to an illegally issued false Evivtion while in Hospital with Theft of Property and all personal belongings : Debit Cards Bank Statements Credit Cards Cash Funds Checks Money Order Receipts Billing Statements Laptops And All Personal Documents and Belongings XXXX XXXX XXXX XXXX- Caused Damages and Undue Hardship XXXX to Current. 
ID Theft Victim : XXXX XXXX XXXX Monetary Reconciliation Requested. 
Reimbursements Refunds and Claim Disbursements via Mailed Check to Consumer. 

XXXX XXXX XXXX XXXX Collection Account : XXXX {$15000.00} ID Theft Restoration and Account Balances and Funds Recovery XXXX Credit Report : Inaccurate Reporting of Information Debt Collection Removal : XXXX XXXX XXXX  {$440.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX {$350.00} XXXX XXXX {$12000.00} Reimbursements Credits and Fee Reversals Corporate Account Check Disbursement for Unauthorized Account Payments -Issue Credits and Refunds : XXXX  Balance {$440.00} XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$12000.00} - Disputed Amounts XXXX ( {$0.00} ) Balances Owed. 

Refund for Outstanding Debts and Payments Drafted from Accounts. 

Refunds for Charges Deducted for Bank Account Requested due to ID Theft while Hospitalized. 

Balance XXXX : {$0.00} Delete from Credit Files XXXX 
Discharge Balances. 
Refund Premiums Deducted from Bank XXXX. 

XXXX : Debts not owed -XXXX XXXX XXXX and Account Record for Deletion Total Installment {$28.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX {$2200.00} XXXX Report XXXX XXXX XXXX 2024 Identity Theft Reported Inaccuracies : XXXX XXXX XXXX {$2200.00} XXXX XXXX {$130.00} Credit XXXX Bank XXXX XXXX {$350.00} Sterling Point XXXX Apartments {$2900.00} XXXX XXXX XXXX XXXX {$12000.00} Transunion Credit Report : Credit Collection - {$2200.00} XXXX XXXX - {$130.00} XXXX XXXX XXXX. {$350.00} XXXX {$12000.00} Transunion ID Theft Disputed XXXX XXXX Collection Accounts : XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$12000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
I was contacted via usps by Wakefield and associates in XXXX of 2023, about a debt, I mailed a request to validate the debt as it is completely unknown to me, the validation request included a request to cease and desist if validation could not be provided. Wakefield and associates continues to call me without ever providing proof of debt, as well as report to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: SC

Complaint narrative:
I am writing to request the deletion of specific entries in my file, which are listed in the attached report. As a victim of identity theft, I did not authorize these changes. In compliance with the Federal Trade Commission, I have reported this identity theft and have included copies of the FTC 's Identity Theft Affidavit. 

It appears that certain activities about my account contravene multiple sections of the U.S. Code Law, including : 15 U.S. Code 1681 a ( 4 ) - Consumer Right to Privacy. You are reporting fraudulent accounts that aren't mine, infringing upon my privacy rights.

15 U.S. Code 1681a - Definitions ; rules of construction. This law states that transactions are not included in a consumer report. Thus, I demand the removal of all late payments from my report.

FDCPA 807 - Misleading false reporting. The information you are reporting suggests I applied for these inquiries & accounts, which is inaccurate and misleading.

15 USC 1681 n - Civil liability for willful noncompliance. You accepted credit information about me without verifying its accuracy, leading to willful noncompliance.

18 U.S. Code 1028A - Aggravated identity theft. You shared my information with creditors without my consent, which constitutes aggravated identity theft.

15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information. You didn't disclose to me that I had the right to opt-out of this information being shared.

And several other violations, which I have detailed in the attached document.

I kindly request that you adhere to 15 U.S. Code 1681c-2, which requires you to complete this reinvestigation and block or update all information resulting from identity theft within four days of receipt of this letter. Failure to comply will lead to criminal and civil liabilities as outlined in my attached invoice.

I am the original creditor, and I did not authorize, benefit from, or consent to the accounts and inquiries listed in the attached report. I filed FTC report # XXXX regarding this matter. 

Please remove all fraudulent accounts from my credit report immediately. According to FCRA 605B, this information must be blocked until the investigation is concluded.

Furthermore, as per 15 U.S.C. 1681g, I demand that you disclose all documents recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT

Complaint narrative:
When my mortgage was first transferred to Pennymac the first call I made to the company was to inquire about an interest rate reduction. I was advised by the agent, that if I singe up for Auto pay and Paperless statements I would receive a 0.25 % rate reduction. 

Not until the end of 2023 when I was reviewing my closing documents for what was needed to remove the escrow did I relies that my rate was never reduced and matched my closing documents. 

I called the company and they acknowledged that I was given miss information but they do not offer that program. I asked to talk to XXXX who has helped with prior claims but was never contacted. 

As a result of this miss information my {$360000.00} mortgage has been accruing at a 0.25 % higher rate for 3 years. 

Additionally, during the end of 2023 a payment was rejected by my personal bank as a result of Pennymac pulling the payment on XX/XX/2023. the terms and conditions of there Autopayment advises that payments will be withdrawn on the XXXX of each month. after reviewing my Bank this is a constant trend of Penny mac not abiding by the terms and conditions of there autopay agreement and withdrawing payments days latter then agreed. 

At best this can result in missed payments due to funds being moved out after the first ( such as in my situation ) at worst this would result in additional interest and late fees being applied to loans if the payment is not posted on the correct date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: WA

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: SC

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TCN Inc
State: GA

Complaint narrative:
Around XX/XX/XXXX, while at work, TITLECASH NOW ( XXXX ) XXXX repossessed my ( XXXX XXXX XXXX XXXX  ) for alleged non-payment. 

Until today 's date, they had refused communication regarding payment to re-acquire property or to retrieve my personal belongings from the vehicle. 

TITLECASHNOW also ( coerced ) me into signing a ( 2nd refinance loan agreement ) at a ( higher monthly rate but shorter repayment term ) with the promise of refinancing option being avoiding the alternative of repossession of my vehicle. 

I spoke with ( XXXX XXXX. XXXX XXXX today who said she had to make arrangements for me to pick up my personal belongings and would call back tomorrow. 

She also said that to retrieve vehicle from the auction site I would have to tender ( {$1800.00} today in CASH ) and those numbers would change ( daily ) because of the auction site storage fees charged. 

She lastly warned the car could be auctioned-off this Friday. 
I believe I have been a victim of ( Predatory Lending practices ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have mailed a dispute to the credit bureaus 45 days ago and have not received a response. Not a letter nor an email in regards to my dispute. I am a victim of identity theft. I have provided my FTC reports. According to FCRA, within 30 days after receiving my dispute the credit bureau is responsible to resolve the dispute. They are now in violation of the FCRA for not responding in a reasonable timeframe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have mailed a dispute to the credit bureaus 45 days ago and have not received a response. Not a letter nor an email in regards to my dispute. I am a victim of identity theft. I have provided my FTC reports. According to FCRA, within 30 days after receiving my dispute the credit bureau is responsible to resolve the dispute. They are now in violation of the FCRA for not responding in a reasonable timeframe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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:
Date : XXXX, 2023 XXXX XXXX  {$360.00} US I have been a victim of fraud by XXXX XXXX and Chase Bank, and neither organization has done anything to assist me. I received an alert on my phone on XX/XX/2023, at XXXX XXXX asking for authorization to process a transaction. I replied NO because I was not familiar with the charge. At this time, I was home with my children. The following day, I called and explained to a Chase representative what occurred. I was asked to destroy my bank card as I would be sent a new card. I did receive a new bank card. 

I was also told by the Chase representative that I would receive a credit for the two charges of XXXX that were done by someone in New Mexico, according to my XXXX XXXX history. 

A few months later, as I reviewed my credit report and my Chase transactions, I realized that I was not credited the XXXX. 

I called Chase and explained what had occurred in XXXX and that I just realized I was NEVER credited. I was then credited. A few weeks later, I realized that the credit was retracted. 
I have been back and forth with a Chase representative who has since denied the refund. 

I have also printed out a copy of the text message proving that I responded NO to the authorization of the transaction that occurred. 

I went to the local precinct and filed a police report. 


I visited a branch, sat with a chase rep, and gave him a copy of all the documents I am submitting now, with the exception of the police report, as it was not ready yet, to no avail was I helped or assisted. 

I do not appreciate the manner in which I was treated by the representatives on the phone. 

I have included with this letter. 
A police report stating that I did not approve these charges A print of the text message proving that I responded NO to the approval of the transaction A copy of the XXXX XXXX History of the two charges A printout of my call log shows that I did call Chase and report the incident, as they are claiming that there is no log of my call. 
I am asking for a refund. I responded No to the authorization of these charges, yet the charges went through. 

XXXX XXXX has referred me to Chase, and no one has helped me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax ' data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was a fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX. {$2000.00} XXXX XXXX  {$4700.00} ( Inquiry ) XXXX XXXX XXXXXXXX XXXX ( Was given false credit score to bank resulting in being denied and acquiring a new inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am filing an official complaint against the following business : Credit Collection Services ( CCS ), XXXX XXXX XXXX, XXXX XXXX  ( XXXX XXXX XXXX  ) The reason for the complaint is : continued attempts to collect an alleged debt, and reported this alleged debt to credit bureaus, while having failed to honor my written request for validation of said debt. Most notably, they have failed to produce any documentation that I owed this debt at any point, such as a contract signed by me for a service previously rendered for a specified period. For the record, I assert that this claim of debt is entirely fraudulent, as such a document with my legitimate signature on it does not exist. I have attached the following pages for your review : on which I indicated my wish to dispute the debt. This was mailed back to XXXX and XXXX via certified mail in the same envelope as my debt verification request letter on XXXX. -Copy of the debt verification letter I mailed to XXXX  and XXXX  via certified mail on XXXX -Copy of certified mail return receipt, proving that XXXX and XXXX received my debt verification letter on XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation