vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
It started after my sisters said they were being harassed by phone for my loan. I did not put them as contacts, so Ally should not reach out to them. When I talked to Ally, they said they have their ways to find familial relationships and their numbers. They violated UDAAP as unfair because they failed to protect my information. I didnt give Ally permission to share that. I called to ask for 2-3 weeks, but Ally said they can only do 7 days. I explained that I do not get paid in 7 days but they said thats all they can do. They were not willing to work with my financial situation. I had no choice but to say yes to 7 days because they said thats how they will stop calling my family or they may discuss repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Bank XXXX XXXX XXXX ACCOUNT ENDING IN XXXX HAS VIOLATED MY RIGHTS. ACCORDING WITH THE CREDIT REPORTING ACT. 
15USC 1681 SECTION XXXX STATES HAVE THE RIGHT TO PRIVACY. 

15 USC 1681 SECTION XXXX A SECTION XXXX : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FUNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

15USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LTE FOR AND PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-05-03 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: SC

Complaint narrative:
I'm a victim of identity theft I uploaded documents

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 2024-05-03 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-05-03 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: IL

Complaint narrative:
THERE ARE CREDIT INQUIRIES ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE. PLEASE REMOVE IMMEDIATELY. THEY ARE BELOW. XXXX XXXX, XXXX AND 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 2024-05-03 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: IL

Complaint narrative:
THERE ARE CREDIT INQUIRIES ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE. PLEASE REMOVE IMMEDIATELY. THEY ARE BELOW. XXXX XXXX, XXXX AND 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 2024-05-03 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: PA

Complaint narrative:
FCRA 605B, I think, requires the removal of any incorrect accounts from my credit report. Can you check the documents? Some of the listed accounts inaccurately report amounts and dates.

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 2024-05-03 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: IL

Complaint narrative:
THERE ARE CREDIT INQUIRIES ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE. PLEASE REMOVE IMMEDIATELY. THEY ARE BELOW. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-05-03 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: IL

Complaint narrative:
THERE ARE CREDIT INQUIRIES ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE. PLEASE REMOVE IMMEDIATELY. THEY ARE BELOW. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-05-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.

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 2024-05-03 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: AR

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-05-03 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: AR

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported 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 explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION
State: WY

Complaint narrative:
The Following addresses do not belong to me or my spouse. 

AddressXXXX XXXXXXXX XXXX XXXX XXXX, ID XXXX AddrTypeFormer Address FirstDateXXXX XXXX XXXX Last XXXX XXXX XXXX AddressXXXX XXXX XXXXXXXX XXXX XXXXXXXX, ID XXXX AddrTypeFormer Address FirstDateXXXX XXXX XXXX Last XXXX XXXX XXXX AddressXXXX XXXX XXXX XXXX, ID XXXX AddrTypeFormer Address FirstDateXXXX XXXX XXXX Last XXXX XXXX XXXX XXXX XXXX XXXX is not me... It is a relative!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported on my Transunion.

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XXXX and XXXX of XXXX, I mailed, submitted letters/documents via my XXXX account XXXX portal, and filed XXXX Equifax disputes XXXX 

On XX/XX/XXXX and XXXX XXXX XXXX, my XXXX accounts was subjected to fall off with all XXXX credit reporting agencies. However, the accounts remained on my Equifax report. The accounts were paid in full and closed on XX/XX/XXXX for {$4.00} and XX/XX/XXXX for {$16000.00}. 

I submitted XXXX disputes with Equifax requesting the removal of both accounts and for the creditor to correctly report the accurate account number. On both occasions, the final investigation report stated the creditor XXXX claimed to be reporting correctly, but modified the " date of last reported update '' that reflects the dates I filed my dispute. 
In XXXX and XXXX of XXXX, I mailed XXXX several letters which they failed to respond to. 
I submitted letters and documents to XXXX via my accounts web portal requesting the deletion of my credit accounts with the credit agency. They responding by stating no action will be taken and no changes will be made. 
After numerous attempts, XXXX fails to resolve the matter by removing the aged accounts from the credit agency Equifax. While XXXX continues to update the XXXX " date of last reported update '' for both closed paid in full accounts with Equifax reporting agency after ever dispute. Preventing the accounts from ever falling out my credit report. Equifax currently reports my new fall out date to be XXXX of XXXX for loans that was paid in full and closed in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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've learned that the creditor didn't provide the necessary XXXXday notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I opened an American Express XXXX card in XXXX. When I first opened the account I was not given a credit limit as it is a charge card. Months later after opening the account a limit was placed on the account that was less than my pay over time limit with the lender. I inquired and was told it was because I made a purchase of a certain amount. The limit was removed automatically months later but again today on XX/XX/XXXX a limit of {$2800.00} was placed in my account the morning of my payment due day. This limit was below the amount owed on my card, and I had always paid this account in full. When I called to inquire as to why these changes were made, I was told that the company performed an unauthorized credit report of my account on XX/XX/XXXX and decided to place a limit on my card because of the information on that report which made them believe that I may be a lending risks despite having paid the full balance on the account every month since opening. I recently consolidated my XXXX XXXX which greatly impacted my XXXX XXXX in addition to me being an authorized user on an account I dont have direct access too, all information that I was told impacted the companies decision to change my account from an no limit charge card to a charge card with a spending limit of {$2800.00}. The companies reasoning for these acts have upset me and I believe that my rights are being violated. They responded to my last complaint saying why they made these changes and offered to review my account but that I did not send in the proper bank statements, which is not true. Their email states for me to send my statements from my primary bank account which I did. I told American Express that I dont use a commercial checking account and that I use and make all payments out of my primamary brokerage account where my money is deposited as well. I showed this documents and XXXX out my confidential information. I showed them what was requested and they denied asking for an account that I already gave them documentation to. I did not show American Express investments. On page XXXX of each statement it shows my current cash value for the account. American Express has also changed terms to my account that I did not agree to nor was notified of until my previous complaint was filed. I have attached copies of the bank statements sent to American Express below.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my credit report in XX/XX/2024 and noticed my name was not reported accurately. After XXXX letters were sent ( in XX/XX/2024 and XX/XX/2024 ) the information remains incorrect in my reports today. 
The consumer reporting agencies need to report all information with complete accuracy. I've attached a copy of my government issues driver 's license, my social security card and proof of address to this complaint. I am now requesting that you update my records showing my correct name as XXXX XXXX XXXX XXXX. My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also, please update and remove the XXXX XXXX  ( XXXX XXXX and XXXX ) whom I've no longer worked for. 

Thank you for your understanding and prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: PA

Complaint narrative:
I've consistently made sure that payments on this account are made on time, ensuring they are never overdue. I am uncertain about the reasons for the reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I logged in to my checking account and was surprised that an amount of " {$16000.00} '' was withdrawn and has a description of " BUY OFFICIAL CHECK # XXXX ''. The transaction is still pending but the amount has already been deducted from my account. 

I contacted Wells Fargo immediately to report the fraudulent activity and was given an option to file a claim and I have the claim number. I was assisted by " XXXX XXXX ''. After submitting a claim, I called again because I was so worried that the rest of the money that will be withdrawn. With the 2nd call, I was able to close the account and I was given a new account with the help of XXXX XXXX. He claimed that all of my information and money are now transferred to my new account. 

As of today, XX/XX/year>, I logged in to my account again to check the new account. I clicked the pending " {$16000.00} '' in hopes to see any update on the transaction. After clicking, I immediately noticed the change of transaction description. It was " BUY OFFICIAL CHECK # XXXX '' when it's still under the closed account, then it became " WITHDRAWAL MADE IN A BRANCH/STORE ''. 

I'm extremely upset because I thought there is an immediate hold with the cashier 's check but then it immediately shown as " withdrawal made in a branch/store '' Please help because I feel helpless in this situation and the money that was taken away is needed for our bills and it's just taken away like that. 

I can not understand how it is easy for Wells Fargo bank to release a cashier 's check with that big of amount without any alert/notification from the owner 's account while when we attempt to spend on something using the bank, they require multiple security validations. 

Any advice is appreciated and my husband and I plan to file a police report and go to a Wells Fargo branch hoping that someone can assist us.

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

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