vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 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: CA

Complaint narrative:
Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowldge of hereare the inquiries that I've found : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, Please remove these fraudulent inquries from my credit report. I also attached my identity theft report as well.

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 2024-09-27 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: FL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-09-27 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I made a purchase for a lifetime XXXX membership on the website XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$100.00}. At the time of the purchase, the website was relatively new, and the lifetime membership was part of their offering. However, within a week of my purchase, the company changed their membership criteria, introducing a monthly and yearly subscription model. My account was subsequently downgraded from XXXX to a free tier without my consent or any prior notification. 

I immediately reached out to cohesive.so to inquire about the downgrade and to request either a refund or reinstatement of my XXXX membership. Despite several attempts to contact the company, I have not received any response. 

After receiving no assistance from the company, I filed a dispute with XXXX, through whom I had made the purchase. Over the past year, I have spent countless hours speaking with XXXX customer service representatives and supervisors. Each time, I was asked to provide documentation, which I did, including screenshots showing the downgrade of my account. 

Despite providing evidence, XXXX has consistently reversed the dispute after XXXX months without giving me any explanation or supporting documentation from the merchant. As of now, the {$100.00} charge remains, and I have not been given any refund or resolution. 

I am seeking a full refund of {$100.00} due to the fact that the service I paid for was downgraded to a free version without my knowledge or consent shortly after purchase. 

**Desired Resolution : ** I request a full refund of {$100.00} or reinstatement of the lifetime XXXX membership as originally purchased. 

-

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
In the last XXXX  days I have received XXXX calls from Portfolio Recovery each call from a different phone number. I do not have any debt. My credit report shows NO OUTSTANDING DEBT. They are a scam trying to get my information. I answered once and told them to stop calling. I have tried blocking them, but they just use a different number.I HAVE NO DEBT. I HAVE NO DEBT. I HAVE NO DEBT. 

Attaching several of the phone numbers they use. PLEASE MAKE THIS STOP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

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 2024-09-27 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
XXXX decided to delete the long established tradelines on my credit reports showing their name as XXXX and changing it to Missouri XXXX XXXX and also changed the account numbers for my loans. These changes resulted in both inaccurate information being reported and a large drop in my credit scores with both Transunion and XXXX. I have not seen any updates to XXXX yet. XXXX credit bureau was even reporting double the loan amounts. Another was reporting some loans correctly and then missing others. I disputed with the credit bureaus twice now and some of the information has been updated or corrected but my credit scores have taken a huge hit because of name and account number changes when nothing else has changed as to the status of my loans. I've read all over the internet that the same thing is happening to countless student loan borrowers servied by XXXX. I'm in the middle of shopping for a home/mortgage and my scores are jumping all over the place The sheer inneptidue and lack of concern for the damage they do to our credit for this nonsene is unconsionable. Student loan borrowers have really suffered though a lot in the past few years and this is just another kick in the face.

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 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
XXXX decided to delete the long established tradelines on my credit reports showing their name as XXXX and changing it to Missouri XXXX XXXX and also changed the account numbers for my loans. These changes resulted in both inaccurate information being reported and a large drop in my credit scores with both XXXX and Equifax. I have not seen any updates to XXXX yet. One credit bureau was even reporting double the loan amounts. Another was reporting some loans correctly and then missing others. I disputed with the credit bureaus twice now and some of the information has been updated or corrected but my credit scores have taken a huge hit because of name and account number changes when nothing else has changed as to the status of my loans. I've read all over the internet that the same thing is happening to countless XXXX loan borrowers servied by XXXX. I'm in the middle of shopping for a home/mortgage and my scores are jumping all over the place The sheer inneptidue and lack of concern for the damage they do to our credit for this nonsene is unconsionable. Student loan borrowers have really suffered though a lot in the past few years and this is just another kick in the face.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
They keep adding a balance to my account which is charged off. I have already filed multiple complaints with them and with you guys as well I have screenshots where it's getting worse bc they keep adding stuff fraudently and are refusing to fix it ... been dealing with issue since XXXX of this year

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 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Conn's, Inc.
State: FL

Complaint narrative:
Refuses to send a contract. Refuse to let me speak with supervisor. Disputing the balance but no one will help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: FL

Complaint narrative:
My account with 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 the company and is not a reflection of my payment experience which violates 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 months that are reported late 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. XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: CA

Complaint narrative:
I see items on my credit report that I dont recognize, suggesting my identity may have been stolen, as I didnt approve these accounts. Ive raised this issue before and am now urgently requesting their removal. These accounts dont reflect my true credit history and are causing me significant stress. If we cant resolve this, Im prepared to take legal action to protect my rights. These inaccuracies are major obstacles to achieving important financial goals, like buying a house and supporting my family, so I hope we can address this issue quickly.

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 2024-09-27 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: Chime Financial Inc
State: GA

Complaint narrative:
As per the guidance from the XXXX XXXX XXXX ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts : XXXX  {$1100.00}, XXXX {$750.00}XXXX XXXX XXXX {$2400.00}, XXXX XXXX XXXX {$650.00} and XXXX XXXX XXXX {$820.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: NY

Complaint narrative:
I recently reviewed my credit report and found several billing discrepancies. The late payments listed do not align with my usual payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After a careful examination of my latest credit report, I identified several accounts that seem to be incorrect and were included without my knowledge.

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 2024-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
Good afternoon, This is XXXX XXXX, I am sending money to XXXX XXXX XXXX XXXX account number XXXX checking address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX United States, there was a typo by western Union clerk, and one digit is missing from account number, the transfer amount is XXXX dollar including transfer fee. I have opened the case three months ago, and yet I have not received any updates in regards to the transfer. The case number is XXXX, please refund the transaction as soon as possible, So i can transfer to her again. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: CO

Complaint narrative:
Below is the email I sent them detailing my issue, and they have not been responsive : Dear Fay Servicing Team, I hope this message finds you well. I am writing to formally request a review and adjustment of the default interest charges applied to my mortgage account ( # XXXX ). 

My loan was in default up until XX/XX/year>, at which point it was brought current via a wire I sent for {$2900.00}. 

However, I noticed that default interest continued to accrue and was charged up until XX/XX/year>, when the loan closed. I believe this additional interest charge was applied in error, as my loan status was no longer in default after XX/XX/year>. 

I kindly ask that you review my account and adjust the charges accordingly to reflect the correct default interest period. I would appreciate it if you could provide a detailed explanation of the charges and confirm the adjustment once it has been processed. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: CA

Complaint narrative:
On XX/XX/year> my wallet and phone were stole, I immediately reported the crime to the police and had a police report taken. The criminal used my personal identity information to open a credit card ending XXXX at Capital One and charged approximately {$1100.00} of fraudulent charges which I did not authorize. I filed a fraud dispute and provided the police report. Capital One refuses to remove the credit charges and account from my credit record. I did not open the credit card, did not make the charges, and I am not responsible for the balance.

Company response to consumer: Closed with explanation