vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 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: TX

Complaint narrative:
XX/XX/XXXX Hard inquiry ( Finance ) : XXXX  XXXX via dealer. 
XX/XX/XXXX Hard Inquiry ( Auto ) : XXXX XXXX XXXX XXXX. 
XX/XX/XXXX Hard Inquiry ( Finance ) : XXXX XXXX XXXX XXXX. 
XX/XX/XXXX Hard Inquiry ( Finance ) : XXXX XXXX. 
These Inquiries are negatively impacting my credit report & effecting my ability of accessing credit. the companies involved seemed to have discriminated against me, based on age & other factors. XXXX XXXX denied me access to my credit when i did not sign anything authorizing a pull. they stated denial based on credit history age. using the social security number for anything other than a financial transaction is not legal. XXXX XXXX, also pulled my credit without me signing any authorization, there app was confusing and it was the cause of the submission. i never wished to have them pull my social. i called them and asked to have it deleted and they did not comply. the denial based on credit history age is discriminatory. 
on XX/XX/XXXX i used XXXX while shopping. the site had a preauthorization for purchase, that stated no affect on credit profile. on XX/XX/XXXX, i went to XXXX XXXX XXXX & made a purchase with XXXX XXXX. Not sure why i have an inquiry from XXXX XXXX XXXX, if XXXX was utilized. XXXX  XXXX, i never contacted regarding myself. These inquiries are the direct result of concealment, discrimination & fraud. the reporting agencies refuse to help so i must come directly to the CFPB

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 2024-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-05-20 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: Credit Card Receivables Fund Incorporated
State: LA

Complaint narrative:
XXXX XXXX sold this account to XXXX. I signed a contract with unified to delete this account. XXXX XXXX no longer have this account and still verifying this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: IA

Complaint narrative:
PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

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 2024-05-20 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: TX

Complaint narrative:
Please see attached file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TriPoint Lending, LLC
State: CA

Complaint narrative:
I most unfortunately entered into a Debt Consolidation withXX/XX/XXXX They did not disclose how detrimental this would be to my credit report with negative reporting XX/XX/XXXX months later! 
XXXX XXXX XXXX acct was reported at the start, It went to XX/XX/XXXX for settlement. The account was being paid for XXXX months when XXXX reported the Same debt to my report XX/XX/XXXXmonths After the debt went into default and WAS being paid. 
Now XXXX took the account back from XXXXXX/XX/XXXX this past XX/XX/XXXXXXXX XXXX because I was complaining about what had happened. 

My XXXX XXXX went down XXXX More points over an account that had Already hit my report. I am suffering twice the hits for the same debt! And I was paying through XX/XX/XXXX Both XXXX and XXXX refuse to fix this obvious detrimental mistake to my credit report. 
Lastly, XX/XX/XXXXXXXX totally misrepresents what and how they do things with their Oral Pitch, but even their contract does not state your accounts will go into collections and appear on your credit report. 
I naively thought the opposite as I had a good credit rating when I made a decision based on false claims. They said my credit report would start correcting itself after XXXX months.. my XXXX XXXX is now XXXX XX/XX/XXXXmonths after paying {$3600.00} to XX/XX/XXXX 
They are devastating my credit without care or any inclination to fix the fact this was reported Twice! 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Allegiant Capital Recovery LLC
State: TN

Complaint narrative:
I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) regarding a collection for a loan from XXXX XXXX XXXX . They stated the amount owed and gave me the settlement amount. I made arrangements and paid the full amount in XXXX. Now I am being contacted by Allegiant Capital Recovery ( https : //www.allegiantcapitalrecovery.com/ ) regarding the same loan and they state that I still owe. I have contacted XXXX XXXX  XXXX and XXXX XXXX, a representative of the company, stated that they would send a cease and desist letter to Allegiant Capital Recovery and assured me that this debt is not owed. This debt was paid off in XXXX. I have proof that I paid XXXX XXXX XXXX for the debt. The loan from XXXX XXXX is so old I can not even remember when the loan originated. I am getting called daily by Allegiant Capital Recovery. I will attach everything I have received from both entities. I had also previously received calls in XX/XX/XXXX from a separate company called XXXX XXXX XXXX. Those calls did stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: NY

Complaint narrative:
In Accordance with the Fair Credit Reporting act the account below has violated my federally protected consumer rights under 15 USC 1681. 

Account name : # XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A section XXXX states that a consumer reporting agency can not furnish an account without my written instructions. ( Which were given through email on XX/XX/XXXX ) 15 USC 1681c ( a ) ( 5 ) 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 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. 

On XX/XX/XXXX, I filed an order to show cause to vacate judgement, which was approved in court. 
On XX/XX/XXXX, I wrote indicating that I had no responsibility for the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-20 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
As my first complaint ( case number : XXXX ), Wells Fargo claims that they have sent the paper requesting my paystubs which I never got the paper.

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 2024-05-20 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: NY

Complaint narrative:
XX/XX/XXXX{$3600.00} XXXX XXXX XXXX, XXXX XXXX {$250.00} XX/XX/XXXXXX/XX/XXXX {$100.00}, XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXX/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
Consumer complaint received 2024-05-20 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Someone tried to XXXX a XXXX  XXXX credit card with my social security number. I immediately called to cancel the card when i received an email saying that XXXX  XXXX needed my last few documents to open my card. by then, they had already run a hard credit check without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On Monday, XX/XX/XXXX I received a {$250.00} XXXXXX/XX/XXXX from the management office in the XXXX XXXX XXXX in XXXXXX/XX/XXXX I had won the gift card in their recent social media giveaway. The card was activated on site. 

On Thursday. XX/XX/XXXX I attempted to use the gift card on XXXX to purchase some items. My total did not go over the amount of the card ( {$250.00} ). The order was declined and I received an error message saying there was a problem authorizing the purchase. I tried once more, with the same result. 

I logged onto the website listed on the back on the card to confirm the balance. I saw that for each time I tried to complete my XXXX order, XXXX cents had been taken off the card. So now my balance is {$240.00}. 

I saw a message saying that if I was having trouble using the card online, I should try to to register it with my name and zip code. I tried to do that with no success. I got an error message that said I had to register by phone. I called the number given and was connected to American Express. I explained the situation to the representative who told me that her department only registered cards that were issued before XXXX. She transferred me to another department. I explained the situation to this second representative, who informed me that my card did not need to be registered, and that there was no way for her to register it anyway. She did not offer any alternative solutions to help me use the gift card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint against TransUnion regarding their inadequate investigation of a dispute I filed about incorrect information on my credit report. Despite providing substantial evidence, TransUnion failed to address and rectify the inaccuracies in my credit file appropriately. Specifically, the disputed account XXXX XXXX : Account number : XXXX, Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX : Account number : XXXX, I was never late on this account and should not be reporting closed. Please look into this late payment and ensure that it is updated as paid. 

XXXX XXXX : Account number : XXXX, Please delete this account from my report. There are many inaccuracies. Clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please delete this account from my report. There are many inaccuracies. Clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : XXXX, This is inaccurate. This inquiry is unauthorized. Delete this inquiry immediately. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : XXXX, This is inaccurate. This inquiry is unauthorized. Delete this inquiry immediately. 
TransUnion 's response was a generic form letter that did not address the specific issues or evidence I provided, indicating a lack of a thorough investigation as required under the Fair Credit Reporting Act ( FCRA ). These inaccuracies have significantly harmed my creditworthiness, impacting my ability to secure credit and favorable financial terms. I request the CFPB to investigate TransUnion 's handling of my dispute, ensure a proper investigation is conducted, and mandate the correction of any inaccuracies in my credit report. Attached are copies of all relevant correspondence and evidence. Thank you for your prompt attention to this matter.

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 2024-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: KY

Complaint narrative:
On XX/XX/XXXX I initiated a transfer for {$1000.00} from my Robinhood account to my checking account at XXXX. I mistakenly chose the wrong checking account to transfer the funds to. The account I accidentally selected has been closed since XX/XX/XXXX. 

I waited several days for the transfer to be reversed and show in my Robinhood account, but it never did. I reached out to Robinhood and they claimed the transfer is complete. They directed me to go to XXXX and get information about the missing funds. 

First Robinhood asked for documentation that the account is closed. I brought them the last statement from the account that shows the account was charged off by XXXX ( XX/XX/XXXX ). Robinhood still claimed the transfer is complete and asked for more information from XXXX Bank. I provided them a document from XXXX showing the transfer was indeed reversed the day after it was initiated, XX/XX/XXXX. 

Robinhood still claimed the transfer was somehow completed. They then asked for the trace ID #, which was already on the document I had provided them. I provided that information again and they still claim they can not find the funds and insist that the money was transferred to XXXX. I have been to XXXX multiple times, and they have provided detailed information and documents showing that the transfer was returned to Robinhood.

I have reached out to Robinhood numerous times but they have done nothing to correct the issue and provided no more detail other than saying the transfer is complete on their end and claim there is nothing possible for them to do, despite the proof from XXXX that the funds were returned to Robinhood.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: TX

Complaint narrative:
Please see attached file

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 2024-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I received a phone call in XXXX of XXXX from a collection agency, trying to collect a debt. This debt was for a Credit card through Chase bank that had been opened without my knowledge or permission. I then proceeded to called Chase bank in an attempt to speak to someone in the fraud department. I made dozens of calls over the next period of time. Chase will not transfer you to their fraud department and instead will send a ticket for them to investigate. Below are the correspondence to follow. 

On XX/XX/XXXX I received a letter from Chase bank that I was responsible for a credit card account ending in XXXX after they deemed this non-fraudulent activity. I over the next XXXX  months continued to follow up with Chase bank about this issue as I did not open this credit line or buy anything with this account. After many contact attempts on XX/XX/XXXX I received a letter from Chase bank saying, " We closed this account to protect your information '' This letter said they would continue their research to determine if this account is valid or not and that I should personally reach out to the credit agencies to add fraud alert. The next letter to follow would be on XX/XX/XXXX saying I was still responsible for the {$920.00} dollar balance on said credit account. On this letter they offered me a " deal '' to pay in XXXX parts of XXXX dollars lowering my payoff balance to {$410.00} dollars in total. 

On XX/XX/XXXX, I was able to speak to a representative of Chase bank named XXXX XXXX XXXX XXXX. During this call I was able to determine that this account was opened on XX/XX/XXXX. The account was opened with an address XXXX XXXX XXXX XXXX ( I do have the full address if needed ) and a phone number that with a quick XXXX search is associated with several fraudulent XXXX accounts. I can provide this number. I have never received a statement for this account as I DO NOT live in XXXX XXXX XXXX. I live in XXXX XXXX and have for nearly XXXX  years. The Chase representative informed me that a {$700.00} dollar charge to XXXX account in XXXX was made with this account. With all of this information the Representative would not let me speak to anyone in the XXXX department and would not send me copies of the statements for this account. Once I said I would be filing a complaint with the CFPB the representative become fully unhelp and even combative. I have exhausted all the resources that I know of to have this handled properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLAZA HOME MORTGAGE, INC.
State: PA

Complaint narrative:
I requested a re-cast of my mortgage from Plaza Home Mortgage in order to lower the monthly payments. I sent an additional XXXX beginning of XXXX and was told if received by XX/XX/XXXX the new monthly payment would begin with the XXXX payment. It did not. I have called numerous times to find out delay and was initially told they were waiting for the deed from the title company. I secured the deed for them and uploaded to them on their website. End of XXXX, still no news. Each time I call the agent puts me on hold to talk to the " back office ''. My last call was XX/XX/XXXX. I was assured the new statement being mailed would now reflect my new monthly payment and the overpayment from XXXX would be applied to my principal. Today, XX/XX/XXXX, my new statement arrived with no change in monthly payment. This is not acceptable. I can not even get them to commit to the new payment amount over the phone.

Company response to consumer: Closed with explanation