vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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: KS

Complaint narrative:
Someone used my information to open accounts without my authorization 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 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 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 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 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 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 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

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 2024-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CARD Corporation
State: CA

Complaint narrative:
On or about XXXX XXXX I was looking through my bank statement as I was about to pay the last of my rent I owed XXXX and I had a little over XXXX in account. I went to pay my rent and it was declined. Upon further investigation on XXXX  end there was several charges and withdrawals from my account. 95 % was from XXXX XXXX XXXX charges for XXXX  and also XXXX as well as XXXX those was XXXX XXXX charges in a XXXX day period these charges added up to around XXXX I belive and was not authorized by me in any way. I had just been hospitalized a week or XXXX prior from XXXX XXXX and had XXXX and was admitted XXXX different hospitals for XXXX days. Also I am a very XXXX girl and not even able to do those sorts of excersice. I called XXXX whom I have been with over XXXX yes and they gave me run around on every charge. My complaint was denied within XXXX  days and told my money would not be returned

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/year> Subject : Request for Method of Verification and Continued Dispute of Charge-Off XXXX XXXX Account To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the XXXX XXXXXXXX account # XXXX. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification. 3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law.

Thank you for your attention to this matter. 


Attachments : XXXX XXXX XXXX For ID

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/year> Subject : Request for Method of Verification and Continued Dispute of Charge-Off XXXX XXXXXXXX Account To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the XXXX XXXX account # XXXX. I previously sent a dispute letter requesting the removal of this charge-off based on the 1

099-C form I received, which indicates that the debt was canceled. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off. 2. The name and contact information of the person or entity that provided the verification. 3. Copies of any documents or records used in the reinvestigation process. The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable rein
vestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

Thank you for your attention to this matter. 


Attachments : XXXX XXXX XXXX For ID

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 2024-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
OPORTUN INC./PROGRESO FI Loan was Closed XX/XX/XXXX was reported as Payment after charge off/collection Paid profit and loss. Still showing up on credit report. Since this company is reporting this as a charge off. I requested XXXX from them XX/XX/XXXX. As of to date nothing has been sent. I'm requesting that Oportun remove this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: IL

Complaint narrative:
The appearance of public records on my credit report, which I have no association with, is deeply concerning. I implore you to take immediate action to address and correct this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: IN

Complaint narrative:
I was stunned to see inaccurate accounts appear on my credit report this morning, and I cant understand how this happened. When I checked my credit report, as I normally do, I was shocked to find discrepancies that came out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but the inaccuracies remained. This issue has left me deeply unsettled, and Im requesting that the documents Ive submitted be reviewed carefully to prevent this from happening again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: TX

Complaint narrative:
TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ). -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- TO YOUR COPMPANY. YOU HAVE SEVERL ACCOUNTS REPORTIGN LATE PAYMENTS IN THE PAYMENT HISTORY. I WAS NEVER LATE ON ANY OF THESE ACCOUNTS PLEASE UPDATE EACH LATE PAYMENT TO " PAID ON TIME, NEVER LATE '' FOR EACH OF THESE ACCOUNTS. ( XXXXXXXX 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 2024-11-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: EAGLE BANCORP, INC.
State: FL

Complaint narrative:
On XX/XX/year> I had a savings CD with XXXX which matured on Sunday, XX/XX/XXXX. On the website under my account, there was no balance information listed so I needed to confirm the balance over the phone with the XXXX representative. 

I spoke with XXXX XXXX XXXX, an XXXX representative on XXXX XX/XX/year> to confirm the balance of my CD and prepare for a wire transfer to another bank. XXXX XXXX XXXX verified the balance of the CD which was {$200000.00}. I was told by XXXX XXXX that there was no fee to send the wire to my XXXX XXXX XXXX account. 

On XX/XX/year>, the wire was attempted but not completed. I received a phone call from XXXX and the representative XXXX XXXX informed me that there was an error on the wire form and that XXXX XXXX  XXXX ( the receiving bank ) sent back the funds and deducted a {$45.00} fee from my balance. After hanging up the phone with XXXX XXXX , I contacted XXXX XXXX XXXXXXXX to confirm the charge. The XXXX XXXX XXXXXXXX representative I spoke with named XXXX told me that XXXX XXXX XXXXXXXX no longer charges fees for wires which can not be completed due to an error on the wire form. 

XXXX deducted the {$45.00} fee themselves and did not disclose this on any paperwork because it was an unauthorized fee which I was not told about beforehand. When I tried to view my statement and balance information on the XXXX website, no information was available. XXXX did not want me to have any record of the {$45.00} fee or the wire amount on their website when logged into my account. 

I am attaching screenshots from the company website as evidence that there is no information available on my online account - nothing in statements, detail, balance, or wire information. I am also attaching a copy of a wire form XXXX sent me in which they are trying to represent the {$45.00} fee as coming from XXXX XXXX XXXXXXXX when XXXX XXXX XXXX did not charge the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX IS REPORTING AN ACCOUNT THAT ( HAS NOT BEEN VALIDATED OR VERIFIED ). THIS ACCOUNT IS REPORTING NEGATIVE INFORMATION ON MY REPORT. THIS IS A ( VIOLATION OF THE FCRA AND THE FDCPA ). I HAVE ASKED FOR CERTAIN DOCUMENTS TO BE GIVEN TO ME. ( IF I DO NOT RECIEVE THE DOCUMENTS THAT I REQUESTED WITHIN 7 DAYS FROM THIS COMPLAINT AND THE ACCOUNT IS STILL REPORTING ON MY CONSUMER REPOR, I WILL BE SEEKING FOR DAMGES UNDER THE FCRA AND THE FDCPA UP TO {$1000.00} PER VIOLATION. AND I WILL BE SEEKING DAMAGES FOR EVERY MONTH THE ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT ). " PLEASE READ THE RESOLUTION PAGE CAREFULLY ''.

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 2024-11-20 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of t multiple fraudulent accounts appearing on my consumer report which I do not recognize as reported and which are the results of identity theft. I will list the fraudulent accounts along with the account numbers, XXXX XXXX  opened on XXXX account number XXXX, XXXX opened on XXXX account number XXXXXXXX XXXX XXXXXXXX XXXX opened on XXXX account number XXXXXXXX XXXX XXXX XXXX on XXXX account number XXXX. These accounts have resulted in several fraudulent inquiries and fraudulent collections and charged off accounts on my consumer credit report. I demand that the aforementioned fraudulent items be removed and blocked from each of my consumer credit reports and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear CEO of XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: OH

Complaint narrative:
I filed a complaint at XXXX Police Department police department on XX/XX/year>. On XX/XX/XXXX, I paid {$5000.00} via Chase debit card and {$2000.00} via XXXX to XXXX XXXX XXXX. The owner lied about him owning the vehicle and about the title as well. After I had already paid him the money, he acted like he couldn't find the title and then he said he would mail the title I never received it. After not receiving the title in mail after 60 days, he told me that I could travel back to XXXX to pick it up. I came into the office XX/XX/XXXX with an employee from my nonprofit organization to pick up the title. Well, the person in the office called the owner and then he removed a piece of paper attached to the title. I asked what the paper was and he said that it wasn't important and that I didn't need it in order to register the vehicle. 

Fast forward to today. I still can not register my vehicle that I paid {$7000.00} for because the owner is withholding an affidavit of repossession which is required to stay attached to the title. This is fraud. I was yelled at by the owner after Chase reversed the charges and was not allowed to get the paperwork. Chase has since given the car dealer his money back after he submitted false documents to them. I am distraught because I have a family and can not transport them in my SUV that I paid $ XXXX for because this man is withholding a very important document from me on purpose, and refuses to give it back to me. He told me that I am not allowed on his property because I called the police on him a month ago, trying to recover my affidavit because I didn't know the vehicle came from an auction. He told me it was his personal vehicle that he and his wife drove daily.

Chase Bank is withholding FEMA funding my family critically needs due to this claim reversal and they are refusing to release my funds due to a claim dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: ME

Complaint narrative:
( During transition from XXXX to XXXX phone service ) On or about XX/XX/year> I was called by TSI concerning collection of a XXXX bill I was unaware of. I recently received a letter demanding explanation of this debt of XXXX. The final bill with XXXX has long been satisfied. 

Upon communication with XXXX it was brought to my attention that the bill was not in default and that XXXX had not enlisted the services of TSI. Which begs the question how did they know the amount due on my final bill, and why and how are they intruding on my privacy and harassing me and threatening my exemplary credit rating? I suspect some type of data breach or data base infiltration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: NJ

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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