vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 U.S.C 1681. ACCT Name : XXXX XXXX XXXXXXXX XXXX XXXX5 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 this item 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.

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX, 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

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX, 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

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

1 5 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 an account without my written instructions.

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 2023-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
In XXXX applied for services with Affirm to have a contractor perform work from XXXX 's XXXX XXXX. Affirm allows you to finance projects with their buy now, pay later service. Upon talking with the vendor, i decided to cancel the contract for the service. I contacted the company XXXX 's and they confirmed they cancelled the request, however, Affirm is still trying to collect on the service which was never, provided. 
Please help me in getting this cancelled. Again, i have not received any services and neither ( Affirm/XXXX ) is providing assistance in getting this cancelled. I am uploading the cancellation from XXXX 's and the statement from Affirm showing the outstanding transaction. 
Affirm will not accept the cancellation notice from XXXX 's. They have conveyed they want an invoice. I do not have an invoice because the transaction never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have repeatedly sent letters to this company stating specific US Codes that they were in violation of along with my personal information ( Drivers License, Proof of Address, and Social Security Card ). I have repeatedly requested proof of validity and I did not receive anything back providing validation. This company has repeatedly violated my rights as a consumer.

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX for ( XXXX  ) account # XXXX, for the amount of {$200.00}, has violated my rights. 

Per : 15 U.S.C 1681 section 602 states, I have the right to privacy.

15 U.S.C 1666b states, a consumer reporting agency can not furnish an account without my written instructions. 

I have asked XXXX to provide me with proof of the debt by providing me with the contract due to never living at the address that the account had listed they failed to do so. I asked since they failed to prove the account to remove it from my report they have failed to do so. I have never given anyone permission to furnish anyone with this account information based on it being unproven and incorrect!

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, 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, XXXX XXXX  for ( XXXX ) account # XXXX, for the amount of {$200.00}, has violated my rights. 

Per : 15 U.S.C 1681 section 602 states, I have the right to privacy.

15 U.S.C 1666b states, a consumer reporting agency can not furnish an account without my written instructions. 

I have asked XXXX to provide me with proof of the debt by providing me with the contract due to never living at the address that the account had listed they failed to do so. I asked since they failed to prove the account to remove it from my report they have failed to do so. I have never given anyone permission to furnish anyone with this account information based on it being unproven and incorrect!

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 2023-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023, Bank of America took an " Unauthorized Offset '' from my Personal Account ending XXXX for {$540.00} to supposedly cover the unpaid balances on the business accounts I had reported as Fraud. I have received no payment receipt for this deduction and there has been no record of accounts showing how and if the offset was actually applied to the account ending XXXX. Multiple Account numbers were associated with this Business account. I have previously reported that I did not open those accounts, nor have I ever been provided with Signature Cards for all Accounts opened as me at Bank of America. Other people were allowed to apply for credit as me and they were allowed to make changes to my corporate account. This is obvious Bank Fraud and Identity Theft. 

As I had reported that business account ( XXXX ) as Fraud, I did not approve or authorize this offset transaction payment from my personal account. I have filed multiple Fraud Complaints associated with the suspiciously handled Credit Card XXXX XXXX XXXX XXXX. I called Bank of America and requested a Bank Refund of the {$540.00} Offset payment, and I clearly instructed the customer service agent to take no other deductions from my personal account for the fraudulent business accounts. 

I spoke with Bank of America, XXXX XXXX XXXX XXXX on XX/XX/2023. 
I asked for an explanation as to why my Personal Account is being used to offset a Fraudulent Business Account, they refused to provide an explanation. I also explained that I never agreed to pay the amount and that no payment receipt or notification has been sent to me for the Payment. I also stated that the Total Balance Due for the Account is NOT MINE. I stated that I had no Card with a $ XXXX Balance. I requested to be refunded and they refused. I requested an explanation for why the XXXX XXXX does not match the Amount they previously emailed me as due for XXXX - They had no explanation. I requested to be emailed the Signature Card and the Bank Policy they were using as the legal basis for the unauthorized withdrawal. They refused. I also noted that the deduction they made is not clearly marked as a withdrawal from Bank of America. The attached Debit slip says BANKCARD DEBIT XXXX XXXX XXXX XXXX and does not clearly list the account the {$540.00} is being deducted to pay. This debit is therefore highly suspicious and illegal banking activity according to the FDIC. Please Investigate.

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
i got account that are inaccurate and need to be removed from my report asap

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
TD Auto Finance is reporting inaccurate information on my consumer report. they are in violation of these laws. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Furthermore, pursuant to 15 USC 1681 S-2 - Responsibilities of furnishes of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
PROHIBITION : a law or regulation forbidding something How can a payment made on XX/XX/2022 causing an inaccurate mark for the month of XX/XX/2022? This is from your letter. 

You talk about the Fair Credit Reporting Act, and how TD Auto Finance is required to report all accounts fairly and accurately, but in the letter, you send me it shows that you are inaccurate you state in your letter that my XX/XX/2022 Payment effect XX/XX/2022 Payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, 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:
Dear Credit bureau and representative of consumer financial protection bureau, I am submitting this complaint because my consumer rights have been violating for 3 years, since the Experian and XXXX showing the information that completely doesn't belong to me. I tried to talk to XXXX, but this company doesn't even allow to dispute the information. Their agents just tell they don't know how to help and that I need to dispute this information directly with bureaus, but once I submit a dispute with bureaus they verify that this account is mine. BUT I NEVER OWN ANYTHING TO XXXX. I submitted the FTC report, but no results. I got a mortgage with high interest rate, because of this account and I still struggle because of the fraudulent account, I have no idea where it came from. I request a deletion of this account as soon as possible. Otherwise I will reach XXXX with attorneys and request financial compensation, since I am having a lot of losses on my business 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 explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Here is a timeline events : XX/XX/2023 - Traded in lease for XXXX  account XXXX to XXXX XXXX XXXX XXXX XXXX, Ohio XX/XX/2023 - Received call from Ally Financial that I was late on paymentI explained that I had sold the car the previous day. 

XX/XX/2023 - Received another call from Ally Financial stating payment was lateI explained that I had sold the car again. 

XX/XX/2023 Through XX/XX/2023 - Received multiple calls from Ally Financial stating payment was XXXX explained that I had sold the car again. 

XX/XX/2023 - called XXXX XXXX XXXX of XXXX, Ohio and they provided the following information about the payment : Check XXXX in the amount of {$44000.00} was sent to Ally Financial via XXXX, tracking number XXXX, received by Ally Financial on XX/XX/2023 at XXXXXXXX XXXX  XX/XX/2023 - I called Ally Financial back and was directed to their collections department where I provided them the information that XXXX XXXX XXXX XXXX XXXX provided me. 

They noted this and I stopped receiving calls from Ally Financial. 

XX/XX/2023 - I checked Ally Financial website for my account XXXX. The balance reported was {$0.00}, listed as paid off and no longer past due. 

The payment was listed as a credit and a debit in the same amount of {$44000.00}. 

XX/XX/2023 - I received an alert on XXXX that I had a credit score drop. I checked and my XXXX score had dropped by XXXX points and I had a 30 Day Late reported by Ally Financial on lease XXXX. 

XX/XX/2023 - I logged back into my Ally Financial account and saw that it was Past Due again with a balance of {$19000.00} and 26 payments remaining. 

I called Ally Financial immediately and was told that systems were down a that they could not do anything. 

XX/XX/2023 - I received two more XXXX alerts that my scores had dropped. My XXXX dropped by 60 points and my XXXX dropped by XXXX points. 

XX/XX/2023 - I called Ally Financial again and spent 3 hours on the phone being transferred to different departments before finally being told that the check had been canceled by the dealer and that I needed to call them. 

XX/XX/2023 - I called XXXX XXXX XXXX of XXXX, Ohio and they began researching the issue further. 

XX/XX/2023- XXXX XXXX XXXX of XXXX, Ohio called me back and stated that the check had cleared and never returned to them or canceled.

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX digital account # XXXX my ex made fraudulent charges on card without my permission I contacted company n advise them of the issue sent police report and all documents that had me to sendal and this matter been going on almost a year and they not trying to resolve this issue I never use the card, amount XXXX costing issues on my credit report. Like this matter to be handled in a timely manner or legal actions have to take place.

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : 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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo pulled a hard pull on my credit and claimed that they lacked correct info. XXXX notified me within minutes of the pull so it was clearly done on my account. I called to find out what was going and was told Wells wants to do another pull on my credit to fix their system error. No one would help and wasted my time last two weeks dealing with their corporate office. They told me they could remove it from my record- they now say they can not do anything. They are XXXX. Dealt with a competitor and had no issues. Wells needs to be held accountable for their inappropriate business practices.

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