vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I believe the following account on my credit report is reporting inaccurately and is incomplete. I believe history and balance is reported inaccurately/incompletely. I ask that you investigate this account for completeness and accuracy and notify the furnisher that this item of information is being disputed. 

Pursuant to 15  USC a consumer has a right to privacy. 15 USC 1681b Allows you to furnish a consumer report with my written instructions, however it does not grant consumer reporting agencies permissions to include any indication that they were granted that permissions on a consumers consumer report. 15 USC 1681 ( a ) ( d ) ( 2 ) provides that these types of transactions which are between the consumer and the persons making the report are PRIVATE and to be EXCLUDED from a consumer report. including this private information without lawful authority or consent of the consumer constitutes identity theft pursuant to 15 USC 1681. 

If you determine that this dispute is frivolous or irrelevant, please provide me with the notice of determination within 5 business days containing the reason and information required to investigate the disputed information. Otherwise, please delete or modify this misleading information, notify the furnisher, and send me an updated copy of my credit file within 5 business days after the completion of your investigation. 

Upon completion of your investigation, I am also requesting the business name, business address, and telephone number, if available, that was used in connection with this investigation. 

Lastly, please provide a description of the procedure used. If this investigation results in a deletion, please provide notification to all persons who pulled my credit report within the last 6 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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: MI

Complaint narrative:
Experian has decided to not update my XXXX XXXX  XXXX  XXXX  account, which has caused me harm. 

I paid off my XXXX XXXX  XXXX  balance of {$390.00} on XX/XX/. XXXX XXXX  informed me they reported a XXXX balance to Experian, XXXX and XXXX on XX/XX/. XXXX and XXXX updated this balance on XX/XX/, however and suspiciously Experian has not as of XX/XX/. 
I am requesting for Experian to confirm they did get the Update XXXX XXXX  provided them on XX/XX/XXXX  and explain to me why that account has not been updated as reported. 
Through my research, it seems Experian stalls the reporting of accounts which show a positive update in order to keep my score lower. This practice benefits the financial industry so they can charge me higher rates. 
I have printed out examples of this practice over the last 12 months.

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 2023-11-03 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.

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 explanation
Consumer complaint received 2023-11-03 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: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of InquiryXXXX, XXXX XXXX Date of InquiryXXXX, XXXX Date of InquiryXXXX, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023 & XXXX Date of Inquiry XX/XX/2023

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 2023-11-03 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: NC

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 XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX 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 2023-11-03 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: PA

Complaint narrative:
I pulled up my credit report and noticed a lot of inquiries. I have 3 inquiries I am aware of I did not authorize any of those companies to run my credit. I am very concerned about what I see here especially since i did not give anyone permission to pull only one I initiated is XXXX XXXXXXXX did not properly investigate my request to review the unauthorize credit inquiries which is damaging my credit profile.

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 2023-11-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I pulled up my credit report and noticed a lot of inquiries. I have 3 inquiries I am aware of I did not authorize any of those companies to run my credit. I am very concerned about what I see here especially since i did not give anyone permission to pull only one I initiated is XXXX XXXX did not properly investigate my request to review the unauthorize credit inquiries which is damaging my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Integrity Financial Corp. DBA US Loan Servicing
State: NV

Complaint narrative:
The loan company loan was in two names the name of the person making the complaint and another. The loan was paid by one person the money instrument was written to the loan company in that one name. When the company wrote a loan cheque they wrote it in both names. The cheque can now not be cashed as the second person refuses to attend to cash the cheque. When the loan company was requested to please write the cheque out in the name of the person who paid it. They refused. I am simply asking that facts be recorded accurately as it is causing a problem with the property title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stellantis Financial Services US Corp.
State: VA

Complaint narrative:
first investor servicing ( not the originating company ) with my signature guaranteeing payment, proof of chain of title to collect debt, the insurance claim filed on this debt, contract identity theft, improper use of reporting 15 USC Code 1681b, inaccurate information reported and amount due Mailed request to company to get this information. No reply Representative said per breakdown loan is {$900.00} that is incorrect information. If you look at the dates and the law. Need verification and the break down.

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 2023-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I sent in my Right to Recission letter and I hand delivered it to them and everything they never got back with me Because they signed me up for a vehicle that was XXXX but all together the car came up to XXXX with payments of XXXX per month

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX someone withdrew {$9500.00} from my checking account account at the teller window. I called Citi Bank to close & lock my accounts. I went into that same branch where the transaction occurred & asked how did this happen. The person did not have my ID so they did not identify themselves & the teller did not do their job to prevent loses. Called the Incident reporting unit to see how we can get this resolved. Its been months, Company is blaming me the customer for not safeguarding my account because the debit card pin is the way of identification so therefore as long as someone knows youre debit card pin they can withdraw without any consequences.Ive followed all the instructions & request from Citi bank & still have not received anything back just denial of my claims. This is unfair & their policies do not make them right. Never have I had this issue with any other bank

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 2023-11-03 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: NV

Complaint narrative:
I ask Opportun service representative XXXX if they can just put me on a payment plan with no more interest but they decline it. Instead threatened me on ruining my credit for XXXX. They call me XXXX times a day or even at night, I sometimes just ignore it for it is so much pressuring. I had enough problems already of having no money and now out of job but this people doesnt seemed to understand Im willing to pay but just stop the interest that is getting me more underwater.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My credit report contains multiple accounts that are both inaccurate and fraudulent, as per 15 U.S CODE 1681b. No valid reason existed for anyone to access my credit report, and I never authorized the sharing of my personal information or consumer report with any party. These items are undoubtedly fraudulent. My personal information and consumer report were acquired without my consent and have been utilized to harm my credit report by introducing inaccuracies. These inaccuracies have severely damaged my credit, making it impossible for me to obtain favorable credit terms. I kindly request the removal of incorrect addresses, accounts, and hard inquiries. Your assistance in this matter is greatly 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 explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monarch Recovery Holdings, Inc.
State: FL

Complaint narrative:
Allied Account Services , Inc XXXX XXXX XXXX XXXX, NY XXXX Original Creditor : XXXX XXXX This company put a collection on my credit report when they and National Grid ( the original creditor ) admitted mistake by sending extension to wrong address multiple times. They agreed to take off my credit only XXXX month minus {$140.00} FOR EXTENSION IS THE CORRECT AMOUNT WHICH COMES OUT TO APROX. {$450.00}. COMPANY ADMITTED MISTAKE AND SENT EXTENSION XXXX HOURS AGO AND IT WAS SENT BACK AND SIGNED RIGHT AWAY COMPANY HAS AGREED TO TAKE ALL LATENESS OFF CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: MD

Complaint narrative:
XXXX app alerts have been popping up with XXXX XXXX XXXX XXXX. Saying my information is on the XXXX XXXX and to change my passwords on my accounts. 
I don't recognize these inquiries so please have them deleted from my reports. 

Transunion- XXXX XXXX XXXXXX/XX/2023, XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX , XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXXXXXX XX/XX/2023, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/2023

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 2023-11-03 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX app alerts have been popping up with XXXX XXXX XXXX XXXX. Saying my information is on the XXXX XXXX and to change my passwords on my accounts. 
I don't recognize these inquiries so please have them deleted from my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
I have been desperately attempting to contact aidvantage for almost 4 months now. I usually wait in hold for XXXX hours each time I call. Usually when the call is answered it drops immediately. Ive also gone to email them and am always told it can take XXXX hours for a response. This is a blatant lie as it typically takes XXXX weeks for a response. I applied for an income driven repayment program which caused my loan amount to triple and when I try to select a new payment plan XXXX informed to contact by phone or email to remove the payment plan. Each email response I get is a canned response telling me I can select payment plans online which is contradictory of what their website says as I have to call to cancel the idr. Im desparsrely trying to get a response from aidvantage to clear this up so I can start making payments. As many others are in the same situation, I can not afford the payment option given to me and do not understand why it is so much higher than my payment was originally before my loan servicer was switched to this awful company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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