vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WFDS seems perfectly happy to provide all kinds of extemporaneous info that does NOT PERTAIN to the specific FRAUD and ILLEGAL activity. 

To wit : INC-splaining their policy and how a loan maturity date gets extended or how payment/s were deferred in the past. This is NOT PERTINENT. 

The issue is simple. I paid off the loan and then they added a Dollar XXXX XXXX  to the loan days later after i had paid it off - thus illegally modifying the contract for the purchase and the agreed upon purchase price ; and THEN reported the dollar and late fees as a late payment to CRA 's. 

I was also assured via calls ( which their CFPB " answer '' acknowledges i made ) that late charges were a separate issue and not reported to CRA 's especially since not a part of principle or interest. They are in direct violation of the laws AND have rendered the contract void via their FRAUD. This is actually referred to as Fraud in the Inducements. Also- on another note - what good does the CFPB do?? you forward complaints and when they answer you 'close ' cases? How is that 'doing " anything? Have you no power? Are there no repercussions?

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 2023-08-30 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: FL

Complaint narrative:
Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express Platinum- I have requested SCRA benefits be applied to my card on 3 different occasions since opening the card over a year ago. They still have not sent a response. I have called and been told by the representative that I do not qualify for SCRA benefits however according to SCRA benefits guidelines I do qualify as well as all my other cards with other companies I have been granted the benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) {$400.00} Date Opened : XX/XX/2023 Disputed previously and the account was sold to another collection agency after being disputed and removed. 

XXXX XXXX XXXX ( XXXX ) {$420.00} {$250.00} {$600.00} Date Opened : XX/XX/2023 Disputed previously and the accounts were sold to another collection agency after being disputed and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have been disputing incorrect fraud related information for almost a year. Sent I. The ftc reports and told them I wanted the information blocked and removed they will not remove it and it has now been over 35 days and I have heard nothing since I sent the last letters which would be 6 letters of dispute and 100 online disputes and 3 phone disputes

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 2023-08-30 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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-08-30 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: TX

Complaint narrative:
I implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them, and they are causing me significant distress.

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 2023-08-30 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: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-08-30 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: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX BANK DELAWARE XXXX and XXXX XXXXXXXX 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 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: FL

Complaint narrative:
I DO NOT RECOGNIZE THESE COMPANIES THAT ARE ON MY CREDIT REPORT, THIS IS CONSIDER IDENTITY THEFT IF I DID NOT GIVE CONSENT TO USE MY PERSONAL INFO.

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 2023-08-30 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 a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

ALSO, Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 
1 ) XXXX XXXX XXXX XXXX 2 ) 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 explanation
Consumer complaint received 2023-08-30 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I have been disputing incorrect fraud related information for almost a year. Sent I. The ftc reports and told them I wanted the information blocked and removed they will not remove it and it has now been over 35 days and I have heard nothing since I sent the last letters which would be 6 letters of dispute and 100 online disputes and 3 phone disputes

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 2023-08-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
One of my old friend stole my informarion to rent an apartment on my name i didnt know about when i found out its was already to late they already sent it to collection

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Designed Receivable Solutions, Inc.
State: AL

Complaint narrative:
I am writing to request that you immediately cease reporting any information to the credit bureaus regarding the alleged debt you claim I owe until you have fully verified the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). In addition to the above, I urge you to provide me with the original contract bearing my signature and that of the original creditor, as well as the bill of assignment. Please ensure that any accommodations granted are reflected in the original contract or bill of assignment. Furthermore, I demand that you provide me with evidence of the license to collect in Alabama, if any insurance has been filed on this debt by the original creditor, and if a 1099-C has been filed. Finally, I urge you to provide errors and omissions insurance. I hope that you will be able to supply all the required information promptly. If you fail to comply with any of the above requests, I will consider taking legal action against you in future. XXXX is showing Date Last Reported for XX/XX/XXXX, XXXX is showing Date Last Reported for XX/XX/XXXX, XXXX is showing Date Last Reported is XX/XX/XXXX. XXXX is showing Date Last Active for XX/XX/XXXX, XXXX is showing Date Last Active for XX/XX/XXXX, and XXXX is showing Date Last Active showing for XX/XX/XXXX. This is discrepancies on my credit report and the lenders think this account fraudulent. The comment by your company states '' Charged Off Account '' which means you need to send me a 1099c form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have filed three complaints and disputes with TransUnion at this point. It is absolutely ridiculous. I have gone up XXXX points through TransUnion but they refuse to update their portal to reflect it except on XXXX XXXX. I pay for XXXX as well. This is outrageous. They have delinquent accounts filed on my credit score but have ever shared but those accounts are and I have requested it 3 times. I do not have ANY debt as of today and the only XXXX cards I have are from XXXX XXXX ( authorized user ) and XXXX XXXX. 

They share with companies that my score is XXXX but thats not what XXXX XXXX reflects :

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 2023-08-30 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: NJ

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many inaccurate addresses 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 & block any inaccurate addresses which is found to be opened due to identity theft. The dispute inaccurate addresses do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these inaccurate addresses. 
XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR 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 2023-08-30 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:
Upon reviewing my consumer report on XX/XX/2023 XXXX noticed inquiries and wrong addresses on my consumer report. I filled out an FTC report explaining what happened and when I noticed these inquiries.I also noticed XXXX open installment accounts reporting. I contacted XXXX, Transunion, and XXXX to notify them of the fraudulent activities. I also asked to place a fraud alert on my consumer report. I also contacted the creditors and the creditors told me to contact the credit report agencies to notify them. I have attached my consumer report including my FTC report and my passport as my identification.

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 2023-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding Inc and XXXX a system whom I dont know is trying to collect a debt I dont owe from XXXX different accounts and amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-08-30 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: DIRECMANAGEMENT, INC.
State: AL

Complaint narrative:
I am writing to request that you immediately cease reporting any information to the credit bureaus regarding the alleged debt you claim I owe until you have fully verified the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). In addition to the above, I urge you to provide me with the original contract bearing my signature and that of the original creditor, as well as the bill of assignment. Please ensure that any accommodations granted are reflected in the original contract or bill of assignment. Furthermore, I demand that you provide me with evidence of the license to collect in Alabama, if any insurance has been filed on this debt by the original creditor, and if a 1099-C has been filed. Finally, I urge you to provide errors and omissions insurance. I hope that you will be able to supply all the required information promptly. If you fail to comply with any of the above requests, I will consider taking legal action against you in future. The date last active for XXXX is XX/XX/2023 and date last active for XXXX is showing XX/XX/2023. This shows discrepancies to lenders.. Why the date last reported for XXXX is showing XX/XX/2023. The date last reported for XXXX is showing XX/XX/2023. The comment by your company states '' Charged Off Account '' which means you need to send me a 1099c form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
I tried to use the card directly on merchant websites XXXX, kinguin.net, but that did not work. I then tried to use the card via XXXX but that did not work either. What is the point of having a gift card that you can't use? I called the company to register it but they just assured me it would work. They said that they did not receive any transactions and told me that I may have been entering the card info incorrectly. Tried to enter my card information multiple times and it still did not work. I then searched the web and discovered other people who have the same exact issue as me who never got their card to work. When I called back to get a refund they told me that it would take up to 2 months to receive a simple refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-08-30 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: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXXXXXX XXXX XXXX and 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 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Many many Overdraft fees even on pending charges

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