vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-28 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:
upon reviewing my consumer reports .I discovered some instances of late payments on my an account for which I have always maintained timely payments consumer reporting agencies play a crucial role in accurately reporting consumer information.It is imperative that this information be reported with utmost accuracy.I have never missed a payment on the following account XXXX XXXX account XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX account XXXX XXXX XXXX XXXX into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments.If unable to furnish such proof .I demand that these payments be promptly updated to reflect their true status as on time, as I have consistently upheld my payment obligations without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: First Technology Federal Credit Union
State: RI

Complaint narrative:
After making the required three ( 3 ) direct deposits, I called to ask when the checking promotion would be paid out. The rep said that I did not qualify because I missed the first deposit.. This is incorrect, and has met the requirement timeframe of the advertised terms. I asked for appeal, and they assigned a case number to investigate further.. After not hearing from them, I sent a secure message to ask about the status. The reply has no mention of their claim that I missed a deadline, but now states that they can not verify if the deposits were from a payroll or not. This appears to be " moving the goal post '' here.

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 2024-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
Affirm has denied resolvent of loan acquired on XX/XX/year> ( XXXX ID XXXX ) for XXXXXXXX XXXX in the amount of {$340.00} purchase. XXXX XXXX credited the transaction on XX/XX/year> for purchase of {$340.00}, with an adjustment of {$21.00} due to changes to itinerary, and then cancelled purchase on XX/XX/year> with providing trip credit of {$220.00}. I have provided Affirm chat transcript, various emails of confirmation of emails from XXXX XXXX pertaining to cancellation and details sent to Affirm. I have disputed this transaction 4 times, including by mail within recommendation from affirm representatives, without resolution and emails received from Affirm that documentation is not clear or wrong dispute category.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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:
I am writing to formally dispute certain accounts and inquiries listed on my credit report due to a data breach in which I became a victim of identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am requesting that all fraudulent accounts and inquiries be immediately blocked and deleted from my credit file. 
The fraudulent account in question is : XXXX XXXX XXXX Account # XXXX Opened on XX/XX/XXXX {$0.00} balance Additionally, please block and delete the following unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/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 2024-11-28 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:
I am writing to formally dispute several unauthorized hard inquiries on my credit report, as detailed below. I did not give permission to these companies to access my credit file, and these inquiries appear to have been made without my knowledge or consent, which is a violation of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). 

The disputed inquiries are as follows : XXXX. XXXX XXXX XXXX  XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX. Experian XXXX XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XXXX dated XX/XX/XXXX Under the FCRA ( 15 U.S.C. 1681b ), credit inquiries are only permissible when initiated with the consumers authorization or for a legally permissible purpose. Since I did not authorize these inquiries, I believe they were conducted fraudulently or in error. 

I kindly request that Experian : XXXX. Investigate the origin and legitimacy of these inquiries. 
XXXX. Provide any documentation or proof, such as signed authorizations or agreements, that led to your conclusion regarding these inquiries. 
XXXX. If no such evidence can be provided, immediately remove these unauthorized inquiries from my credit report. 

Additionally, I ask that Experian confirm in writing once the disputed inquiries have been resolved or removed. 

I look forward to your response within the timeframe required under the FCRA.

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 2024-11-28 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: GA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to disputed account and hard inquiries on my credit report that were made without my consent. According to section 604 of THE FAIR CREDIT REPORTING to section ( 15 U.S.C 168 1b ), there are specific permissible purposes for obtaining a credit report. I did not authorize the account and hard inquiries and can not find any permissible purpose under this section that justifies their presence on my credit report. PL DELETE ACCOUNT XXXX XXXX ACOONT NUMBER XXXX " I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC Report Number : XXXX ) as additional support for this claim. This report reinforces my request for the removal of the account in question from my credit report, as it details the lack of proper validation for this account and the inadequate response from the credit bureau involved. ''

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 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : XXXX. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
XXXX. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( XXXX ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like XXXX, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 
XXXX. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. XXXX has not adhered to XXXX  requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with XXXX has compounded the inaccuracies on my credit report, further violating my rights as a consumer. 
XXXX. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

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 2024-11-28 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: CT

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

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 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX. 

I looked at my experience credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( XXXX ) treatment of inaccurate or unverified information ( A ) in generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by consumer and item of the information is found to be inaccurate or incomplete, or can not be verified the consumer reporting agency shell- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the results of the reinvestigation ; and ( iii ) promptly notify the furnished of that information that the information has been modified, or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are supposed to 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 2024-11-28 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: CA

Complaint narrative:
I am writing to formally dispute certain accounts and inquiries listed on my credit report due to a data breach in which I became a victim of identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am requesting that all fraudulent accounts and inquiries be immediately blocked and deleted from my credit file. 
The fraudulent account in question is : XXXX XXXX XXXX Account # XXXX Opened on XX/XX/XXXX {$0.00} balance Additionally, please block and delete the following unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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:
I am writing to formally dispute certain accounts and inquiries listed on my credit report due to a data breach in which I became a victim of identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am requesting that all fraudulent accounts and inquiries be immediately blocked and deleted from my credit file. 
The fraudulent account in question is : XXXX XXXX XXXX Account # XXXX Opened on XX/XX/XXXX {$0.00} balance Additionally, please block and delete the following unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/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 explanation
Consumer complaint received 2024-11-28 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: VA

Complaint narrative:
XXXX v. Equifax Information Services XXXX XXXX. 
United States XXXX XXXX, XXXX. Georgia, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX ( S.D. XXXX XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX. 
XX/XX/XXXX ORDER XXXX XXXX, Senior District Judge Plaintiff, XXXX XXXX, filed this action against Defendant, Equifax Information Services, XXXX ( " Equifax '' ), asserting violations of the Fair Credit Reporting Act, codified at 15 U.S.C.A. 1681- 1681x ( " FCRA '' ). The case is before the Court on the parties ' cross-motions for summary judgment Equifax is a credit reporting agency, and it operates an automated credit reporting system. Under this system, the company does not investigate the accuracy of consumers ' account information submitted by creditors upon receipt. According to Equifax, it presumes that the information submitted is accurate because it endeavors to do business only with reputable merchants and financial institutions. According to XXXX XXXX, a supervisor in Equifax 's Office of Consumer Affairs, if a consumer disputes a credit item, Equifax initiates an investigation of the disputed information. 
In early XXXX, XXXX contends that she discovered that her Equifax credit report contained false information, indicating that she was indebted to XXXX XXXX and XXXXXXXX XXXX XXXX. Another account that XXXX disputed was a XXXX XXXX collections account relating to the purported XXXX debt. According to XXXX, XXXX XXXX XXXX brought suit against her XXXX times to collect her alleged debt. XXXX reported that, although she answered each suit, XXXX XXXX XXXX failed to appear to prosecute the suit twice and, on the third occasion, judgment was rendered in her favor. 
On XX/XX/XXXX, XXXX wrote XXXX letters, XXXX regarding each account, to notify Equifax that she disputed the account information, and to demand that the accounts be removed from her file. Although XXXX sent the letters by certified mail, Equifax did not remove the credit items from her report, or otherwise address her concerns. Instead, the company waited over a year to do anything about her complaints. Equifax maintains that it has no record of having received her letters, so it could not attempt to validate the debts at that time. However, Equifax does not deny that XXXX sent the letters, and a certified mail receipt shows that the letters were received by Equifax on XX/XX/XXXX. Doc. No. XXXX at XXXX ; XXXX. No. XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: VA

Complaint narrative:
XXXX v. Equifax Information Services XXXX XXXX. 
United States XXXX XXXX, XXXX. Georgia, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX ( S.D. XXXX XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX. 
XX/XX/XXXX ORDER XXXX XXXX, Senior District Judge Plaintiff, XXXX XXXX, filed this action against Defendant, Equifax Information Services, XXXX ( " Equifax '' ), asserting violations of the Fair Credit Reporting Act, codified at 15 U.S.C.A. 1681- 1681x ( " FCRA '' ). The case is before the Court on the parties ' cross-motions for summary judgment Equifax is a credit reporting agency, and it operates an automated credit reporting system. Under this system, the company does not investigate the accuracy of consumers ' account information submitted by creditors upon receipt. According to Equifax, it presumes that the information submitted is accurate because it endeavors to do business only with reputable merchants and financial institutions. According to XXXX XXXX, a supervisor in Equifax 's Office of Consumer Affairs, if a consumer disputes a credit item, Equifax initiates an investigation of the disputed information. 
In early XXXX, XXXX contends that she discovered that her Equifax credit report contained false information, indicating that she was indebted to XXXX XXXX and XXXX XXXX XXXX. Another account that XXXX disputed was a XXXX XXXX collections account relating to the purported XXXX debt. According to XXXX, The XXXX XXXX brought suit against her XXXX times to collect her alleged debt. XXXX reported that, although she answered each suit, The XXXX XXXX failed to appear to prosecute the suit twice and, on the third occasion, judgment was rendered in her favor. 
On XX/XX/XXXX, XXXX wrote XXXX letters, XXXX regarding each account, to notify Equifax that she disputed the account information, and to demand that the accounts be removed from her file. Although XXXX sent the letters by certified mail, Equifax did not remove the credit items from her report, or otherwise address her concerns. Instead, the company waited over a year to do anything about her complaints. Equifax maintains that it has no record of having received her letters, so it could not attempt to validate the debts at that time. However, Equifax does not deny that XXXX sent the letters, and a certified mail receipt shows that the letters were received by Equifax on XX/XX/XXXX. Doc. No. XXXX at XXXX ; XXXX. No. XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation