vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 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: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, there were 5 unauthorized charges made to my bank account XXXX M & T Bank ) in the amounts of {$1100.00}, XXXX, XXXX, XXXX and XXXX. My bank only sent notification for the {$50.00} charge, which is what prompted me to log into my bank account. and I discovered the other 4. The last charge I received notification for was immediately reversed. In dispute are the remaining 4 charges.

I immediately called my bank to report those charges. The information they gave me was that the charges were made at XXXX 's XXXX and XXXX, in a different state that I have never been to. I was assured they would look into it. I was credited those amounts back. On the XXXX, I got notice that my account was about {$1500.00} in the red, because the bank had pulled back the credited amounts and denied the claim. 

I called the bank 's fraud department, and I spent more than an hour being transferred from department to department. I wanted information on why the claim was denied. I also asked them to look at my bank account. I have banked with them for over 7 years, and I do not make purchases with my debit card. A review of my bank account shows that the transactions were unusual in amount, location, and vendor. 

Each person I spoke to told me the same things - while it is evident and clear that the charges were unauthorized and unusual, their official procedure was to call the merchant who said the transaction was processed properly, and that was that. They closed the case and can not reopen it. I was told to investigate on my own by calling the merchants myself or pursuing the case criminally, and if it yields anything, pursue it civilly. Essentially, their investigation started and stopped with calling the merchant, and I was left on my own. 

I did call the merchants, who told me to go to the bank, as the proper procedure was for the merchants and the bank to sort things out. But my bank asked me to essentially deal with it myself. It baffles me that in this day and age, there is no protection or recourse for consumers whose bank accounts have been defrauded. Per the bank, calling the merchants is all they are capable of doing. There has got to be more than that.

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 monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Uplift, Inc
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. 

I have had multiple loans with UPLIFT, INC. and have never been LATE.

Because the instalments are AUTOMATICALLY drafted out of a bank account.

Have tried numerous times to reach out to UPLIFT, INC. and they can not find this account number in their system, which is negatively reporting on my credit report. 

UPLIFT , INC account # XXXX SHOWS 30 DAYS LATE ON - XX/XX/2022 In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) 1,200 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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 RECEIVED A COPY OF MY CREDIT REPORT AND FOUNT THIS FRAUD INACCURATE ACCOUNT STILL REPORTING UNDER MY NAME. 

THIS FRAUD ACCOUNT NUMBER XXXX WITH A BALANCE OF {$7500.00} SHALL DELETE FROM MY CREDIT REPORT BY LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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 recently reviewed my credit report and noticed that this account does not belong to me and is not attached to me. Please remove this account from my 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 2024-04-22 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: MD

Complaint narrative:
Since XXXX my identity was stolen I put an alert on my credit file. In XX/XX/XXXX, I was in the process of buying a house I gave permission to a mortgage company to run my credit, there was a fraudulent account on my credit report associated with XXXX under a company name XXXX XXXX XXXX. I immediately contact XXXX, the three credit reporting agency, XXXX XXXX XXXX as well as filling a FTC fraud report ; the matter was investigated by XXXX, XXXX, XXXX, Equifax and was removed from my credit file on XX/XX/XXXX. 
This year a company name XXXX XXXX XXXX, called my phone 7 times a day, I thought it was scam, after many calls and no messages I called them back. XXXX now fail to to a proper investigation nor looking at the previous cases or the evidence of fraud that I have submitted. I was asked to pay them the money or they said I owed on a XXXX  account, I told them I never have XXXX. a few days later the account appeared on my credit file when I looked closely it is the same fraudulent account that I have previously disputed and was removed from my file in XX/XX/XXXX. I called XXXX which is now XXXX  the manager I spoke with told me that matter was resolved and I don't have any account with them. I reached out to the credit bureaus and the company nothing has been done. I believe that they are using this to extort money from me. 
I have had a identity fraud alert in my credit since XXXX after my identity was stolen and I have previously from several complaint with the FTC regarding this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I have submitted several payments through the mail. My most recent payment was submitted via express mail and was delivered on XX/XX/XXXX. It is now XX/XX/XXXX and it is still saying that I owe, when the account should reflect as paid in full. 


It is fraud to keep my payment and not update my account. The security was also notarized. Please see attachment. 

Tracking # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I requested that Equifax send me proof of each alleged collection that is reporting onto my credit report. It has been over thirty days, and I have yet to receive any correspondence pertaining to any of the alleged collection accounts on my report. There is currently one ( 1 ) collection account showing on my report : XXXX. XXXX XXXX XXXX XXXX I am requesting PROOF OF THIS ALLEGED DEBT be provided to me immediately. Proof needs to show WHEN XXXX XXXX XXXX obtained this account from the original creditor. I am also requesting proof of the original consumer signed contract with my physical signature showing that I ever had an agreement with any of the original creditors as well as the collection companies. I am also requesting to see where this alleged debt was sold to XXXX XXXX XXXX with the balance on it that I allegedly owe. I am also requesting copies of any papers that bear my signature, verification or copy of any judgment if applicable, proof that the Statute of Limitations has not expired on any of these alleged collection accounts, as well as proof to me that this collection company is licensed to collect in my state, with XXXX XXXX XXXX 's license numbers and Registered Agent Identification numbers. Failure to respond to these validation requests within 30 days from the date of your receipt for all references to these accounts would violate my rights under the Fair Debt Collection Act, and these alleged collection accounts must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Failure to do so, will result in my consultation with my legal counsel for suit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had three late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year>, XX/XX/year>, and XX/XX/year>. I'm now requesting you investigate and provide verifiable proof with records showing that I have had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-04-22 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: NY

Complaint narrative:
I am extremely frustrated by the credit report I recently received! This situation is completely unacceptable. I am deeply disappointed that your company allows such glaring errors to occur, causing significant damage to people 's lives and reputations. Despite multiple letters sent to your company regarding this erroneous account, it appears that Experian credit bureau has failed to take appropriate action and continues to report them. I have no idea where you obtained this account. 

XXXX XXXX - FRAUD, PLEASE DELETE!!!

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 2024-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
Upon looking into my account and noticing there was still an astronomical balance due, despite having sent multiple money orders for months prior, I requested for a money order refund online. After further investigation of receiving a photocopy of the money order, the payee that appeared on the money order was not that the money order was made payable to. I filled out, had notarized, signed and sent in a forgery affidavit, the original recipients and original money order recipients ( back completely filled out ) to : Western Union Financial Services , Inc . 
XXXX XXXX XXXX, Mail Stop : XXXX XXXX, CO XXXX I have called and spoken to three live representatives-all representatives really could tell me nothing other than a money order refund was in process ( it has been processing since XX/XX/2024 ), I have sent emails ( received a generated automated response reply ), sent multiple letters by mail to request a status update on this matter in hopes to recover what has been forged/stolen.The original money order numbers were : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is quit a bit of money for me, and it all still needs to be paid to its original purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FactorTrust, Inc.
State: GA

Complaint narrative:
I, XXXX XXXX XXXX is writing this complaint in regards to a ongoing matter with FactorTrust Inc that consist of inaccurate personal information that's reported on my consumer disclosure report. I am a victim of Identity theft and the following inaccurate and unverified information should be deleted from my FactorTrust Inc consumer disclosure report pursuant to 15 USC 1681s-2 ( a ) ( 1 ) and 15 USC 1681c ( a ) ( 5 ) if the Fair Credit Reporting Act. Inaccurate Addresses : XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX CO XXXX XXXX XXXX XXXX WI XXXX, and XXXX XXXX XXXX XXXX MI XXXX XXXX I have never lived at nor resided at the addresses listed above. 

*Inaccurate phone numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, & ( XXXX ) XXXX *Inaccurate Employment : XXXX XXXX XXXX XXXX XXXX names : XXXX XXXXXXXX XXXX & XXXX XXXX XXXX *Unverified Accounts : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act : *15 USC 1681 ( a ) ( 4 ) states : A consumer has the right to privacy.

*15 USC 1681b ( a ) ( 2 ) states : A consumer reporting agency can not furnish a account without written instructions.

*15 USC 1681c ( a ) ( 5 ) states : No consumer reporting agency may make any item of information, other than convictions of crimes which antedates the report by more than seven years.

*15 USC 6802 states : No financial institution is suppose to share my information to third party agencies.

*15 USC 1681s-2 ( a ) ( 1 ) states : 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. It is evident that FactorTrust Inc failed to uphold it's responsibilities in ensuring the accuracy and verification of information reported on my consumer disclosure report. As a result, Im requesting a proper investigation of these items and promptly delete any inaccurate and unverified information from my consumer disclosure report. I trust that FactorTrust Inc will address this matter promptly and in accordance with the federal regulations. Failure to do so may result in further action to protect my rights as a consumer. I appreciate your attention tothis matter and look forward to a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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 recently received a copy of my credit report and I notice I have fraudulent account on my report. please remove this account from my report, it is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: AL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX, Account number XXXX ). In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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 2024-04-22 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: MD

Complaint narrative:
Since XXXX my identity was stolen I put an alert on my credit file. In XX/XX/XXXX, I was in the process of buying a house I gave permission to a mortgage company to run my credit, there was a fraudulent account on my credit report associated with XXXX under a company name XXXX XXXX XXXX. I immediately contact XXXX, the three credit reporting agency, XXXX XXXX XXXX as well as filling a FTC fraud report ; the matter was investigated by XXXX, XXXX, Tansunion, XXXX and was removed from my credit file on XX/XX/XXXX. 
This year a company name XXXXXXXX XXXX XXXX, called my phone 7 times a day, I thought it was scam, after many calls and no messages I called them back. XXXX now fail to to a proper investigation nor looking at the previous cases or the evidence of fraud that I have submitted. I was asked to pay them the money or they said I owed on a XXXX  account, I told them I never have XXXX. a few days later the account appeared on my credit file when I looked closely it is the same fraudulent account that I have previously disputed and was removed from my file in XX/XX/XXXX. I called XXXX which is now XXXX, the manager I spoke with told me that matter was resolved and I don't have any account with them. I reached out to the credit bureaus and the company nothing has been done. I believe that they are using this to extort money from me. 
I have had a identity fraud alert in my credit since XXXX after my identity was stolen and I have previously from several complaint with the FTC regarding this 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 non-monetary relief
Consumer complaint received 2024-04-22 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: MD

Complaint narrative:
Since XXXX my identity was stolen I put an alert on my credit file. In XX/XX/XXXX, I was in the process of buying a house I gave permission to a mortgage company to run my credit, there was a fraudulent account on my credit report associated with XXXX under a company name XXXX XXXX XXXX. I immediately contact XXXX, the three credit reporting agency, XXXX XXXX XXXX as well as filling a FTC fraud report ; the matter was investigated by XXXX, Experian, XXXX, XXXX and was removed from my credit file on XX/XX/XXXX. 
This year a company name XXXXXXXX XXXX XXXX  called my phone 7 times a day, I thought it was scam, after many calls and no messages I called them back. Experian now fail to to a proper investigation nor looking at the previous cases or the evidence of fraud that I have submitted. I was asked to pay them the money or they said I owed on a XXXX  account, I told them I never have XXXX. a few days later the account appeared on my credit file when I looked closely it is the same fraudulent account that I have previously disputed and was removed from my file in XX/XX/XXXX. I called XXXX which is now XXXX the manager I spoke with told me that matter was resolved and I don't have any account with them. I reached out to the credit bureaus and the company nothing has been done. I believe that they are using this to extort money from me. 
I have had a identity fraud alert in my credit since XXXX after my identity was stolen and I have previously from several complaint with the FTC regarding this 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 non-monetary relief
Consumer complaint received 2024-04-22 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: AZ

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX : {$4100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$12000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX : {$9600.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$12000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX Balance XXXX {$530.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XX/XX/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