vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 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: FL

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 2024-08-07 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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:
I am writing to dispute account on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTING to section act ( 15 U.C 16B 1 B ), THERE ARE SPECIFIC PERMISSIBLE PURPOSES for obtaining a credit, I did not authorize theseaccount and can not find any permissible purpose under this section that justifies their presence on my report. ACCOUNT OPORTUNPROG, 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 2024-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I received the response from the CFPB regarding Ally Bank and the response stated Ally purchased the account back from Portfolio Recovery, my account was notated and the representatives at Ally bank would know how to handle my account when I called into set up my payments. 

The harassment has NOT STOPPED! I will be filing a lawsuit in small claims now seeking the maximum of {$80000.00} in damages. 

I called the number XXXX provided in the response letter the CFPB sent to me. I was told multiple times by Ally representatives that I needed to call XXXX XXXX as they still owned my account, my account was suppressed from credit reporting by Ally and XXXX representative was trying to get a XXXX on the phone and instead terminated the call on me. 

Im XXXX and suffer from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which have severely gotten worse dealing with this issue. 

I have in good faith tried to resolve this in an amicable manner and have been lied to by Ally Bank. Im requesting the CFPB retrieve all call recordings that I made to Ally Bank from XXXX. I want them reviewed. 

Also, when Ally Bank receives my lawsuit, Im requesting a copy of all the call recordings be provided to XXXX XXXX. 

Im requesting as well that Ally Bank be fined and you investigate in detail my complaint. 

Im also, requesting the debt be cleared as I will not pay because of all the upset I had to endure. 

XXXX from Ally called me the day he submitted the response to the CFPB and told me the account was purchased back which was a false statement. 

I tried to pay and Ally Bank refused yesterday to take my monthly payments. I will also be filing a separate complaint against XXXX XXXX for violating the FDCPA and will seek damages as well up to {$80000.00} in small claims court.

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 2024-08-07 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: NC

Complaint narrative:
My account with XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violat

es USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Aldridge PIte Haan, LLP
State: FL

Complaint narrative:
In XX/XX/year> I received a letter from Aldridge Pite Haan , LLP stating they are a debt collector as well as a law firm. This was in regards to an alleged debt w/ XXXX XXXX XXXX  On their own letter to me they stated my ability to dispute the debt and the process. Which they state they MUST STOP COLLECTION on any amount until they send information that shows I owed the debt. I had util XX/XX/year> to respond. I sent a certified letter on XX/XX/year> which was received by Aldridge Pite Hann on XX/XX/year>. In my response letter I requested specific debt validation information in my dispute. According to the Fair Debt Collection Practices Act, 15 USC 1692g, Aldridge Pite Haan had 30 calendar days to provide the information I had requested. Again, during that time per their letter, in writing, they were to stop ALL collection processes. Not only did they NOT follow their own process, they did not respond until XX/XX/year>. Their response was not in the 30 day timeframe, their response did not include the requested information, AND they filed a lawsuit against me on XX/XX/year>. This directly contravenes their own written terms as well as is a clear violation of the FDCPA requirements. The lawsuit should have never been filed and the account should have been deleted and removed completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
My checking and savings account was closed. I Have been a usaa member for 4 years. I never had any problems besides fraudulent transactions that was disputed on my account. XXXX percent of the disputes worked out in my favor. So I asked the representative why was my account closed, they stated that the fraud department didnt have to give an reason to why they decided to close my account and all of that information is in the XXXX disclosure I signed when I became a member. No documents was provided. The policy is that they have 60 days to close the account and send my funds in a check. I have bills and I also get ssi every month going into that checking account. I cant afford to not pay my bills for 60 days. I need my funds to be released. I cant survive 60 days without any funds. This is going to put me in a financial hardship. On The high dispute claims, there reversing the credits and on the low disputes they made permanent. I also asked for documentation on how they came up with there decision being that those disputes was under the same dispute number ID claim XXXX. All of those disputes was fraudulent thru cashapp at the same time. So why was some considered as fraudulent and some was considered not fraudulent. They never gave me any evidence to support the claims and how they came up with there answer. I also noticed that this same company has a big lawsuit going on for doing unethical business towards the consumers.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
CFPB, I'VE DISPUTED WITH EXPERIAN ABOUT 2 ADDRESSES THATS LISTED ON MY CONSUMER REPORT, THAT ARE NOT MINES I'VE EVEN UPLOADED A COPY OF MY LEASE. AND EXPERIAN CONTINUES TO IGNORE IT.

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 2024-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have had this credit card for over ten years. A Capitol One Visa Credit Card. 
The Credit Card will not lower interest rate on my card. The Credit Card Company will deliberately not increase my credit limit and then spends the next year degrading my credit card usage. I get stupid emails saying " your over your credit limit make a payment ''. I check my credit report and the report says my credit usage in too high????

There are no late payments in the past 5 years. I make {$1000.00} payments on this capitol one credit card. When I call, my call is passed around or a strange voice on the other end that has a XXXX  accent??? 
I am tired of this illegal nonsense. I want to press charges on Capitol One. I have never dealt with a credit card company that wants to give a customer a hard time that makes them money. I am paying 26 % on one Capitol One Credit Card and 30 % on another Capitol One Credit Card. I am tired of the abuse and fraud from Capitol One. 
I still feel good about myself despite the companies efforts to constantly harass me about over use of a credit limit?? Why not increase my credit limit like I requested?? They want to trash my character and make me feel stupid and ugly. 
Capitol One should be put in prison for life. I am a XXXX with XXXX XXXX and several other health issues. They are too XXXX personal and only out to trash my credit and good name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/2024 Amount : {$9500.00} I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information 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 2024-08-07 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: Synovus Bank
State: NY

Complaint narrative:
I never applied for an account with your financial institution and for that reason all accounts appearing on credit reporting is considered fraudulent. Within federal laws governing credit reporting, each account should be carefully investigated and removed effectively. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was devastated to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by myself. This has been a hard burden financially as I am in the process of buying a home for my family.

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 2024-08-07 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: FL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XX/XX/year>, a XXXX friend, XXXX XXXX, advertised that she was selling XXXX XXXX XXXX tickets for XXXX, XXXX I had no reason to believe that my friends XXXX had been hacked and her identity had been stolen. Through a series of texts to the number I had for her, I agreed to purchase XXXX tickets. I sent her money, XXXX}, through XXXX for XXXX XXXX XXXX XXXX only to receive nothing and no further responses. It was only after they asked for a {$100.00} transfer fee per ticket did realize that it was not my friend. Additionally, the XXXX merchant initially identified as " XXXX XXXX ' quickly changed their name on the XXXX account to XXXX XXXX. 
I did dispute this with XXXX who stated they have no liability. Because this was a friend and I did know this person, I had no reason to believe I would not be receiving the tickets. I had no knowledge that someone had stolen their online identity and spoofed her cell phone number. I disputed the charge with Capital One and have proof through text exchanges and screenshots of this person changing their name. I also have not received any goods. Capital One has stated that I am afforded no purchase protection because XXXX was used. They can not provide any rationale or further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-08-07 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:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: MD

Complaint narrative:
I find this really worrisome, upon checking of my credit report today, I noticed that there are inquiries in it that I do not recognize which was very alarming because I am fully aware that I did not apply with these companies and nor given them consent/authorization to access my report and information. These fraudulent and unauthorized inquiries are making me anxious and stressed out, It's a blatant violation of my rights as a consumer.

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 2024-08-07 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I find this really worrisome, upon checking of my credit report today, I noticed that there are inquiries in it that I do not recognize which was very alarming because I am fully aware that I did not apply with these companies and nor given them consent/authorization to access my report and information. These fraudulent and unauthorized inquiries are making me anxious and stressed out, It's a blatant violation of my rights as a consumer.

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