vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 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: VA

Complaint narrative:
On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX XXXX XXXX XXXX after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent and was associated with an unsolicited account. Concerned by these unexplained entries, I immediately requested proof of authorization and sought an explanation for this unauthorized credit inquiry. 
In my complaint, I emphasized the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which regulates financial institutions. I urged these agencies to thoroughly investigate my case. 
Additionally, I requested that these agencies determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could result in false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system. 
By sharing my experience, I hope to raise awareness and assist others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
It is crucial to understand that a companys name must exactly match its legal registration, as outlined in official documents such as articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, the entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring that the correct legal name appears on consumer credit reports is more than just a formalityit is a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 2024-08-20 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: CA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: WI

Complaint narrative:
Company closed my account within XXXX  days on XX/XX/year> after they stopped my automatic payment in XXXX and thereafter Lead me to believe the account was to be current if I made a XXXX payment in XX/XX/year> but lied and upon calling the company on XX/XX/year> they gave me verbal notice that my account was closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-20 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: IL

Complaint narrative:
I have notified and submitted my identity theft report to the federal trade commission in regards to these fraudulent items on my report that need to be removed but as of now still have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
I am writing to dispute the debt that is being reported under my name. 

I would like to clarify the following points : 1. Court Proceedings : This matter was taken to court, and the judge determined that I had no obligation to pay the disputed amount. The case was dismissed without prejudice, confirming that I have no outstanding debt related to this case.

2. Reported Amount : Additionally, I have noticed that the amount they are reporting against me is higher than the original amount I allegedly owed. ( Which it was {$1700.00} ) and the new amount that Im getting accused of owing is ( {$3600.00} ) This is inaccurate and may be a violation of my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I requested a credit line increase from XXXX XXXX and received a denial letter stating there was legal action pending against me. I a reviewed my Consumer Reports and there is no legal action pending by any credit agency. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I have never had any legal action pending against me on ( XXXX XXXX : acct number XXXX. Please investigate and provide Proof there is legal action pending. It proof can't be provided I demand my credit is updated and the legal action be removed from my reports.

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 2024-08-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
The beginning of this year on XX/XX/year> I needed to take out a personal loan to pay off my car because I was trying to pay off the equity on my car to sell it to a company called XXXX and I needed {$18000.00}. I found out about Upstart to take out a personal loan right away but unfortunately XXXX took my money and never pay off the car or anything. I am stuck paying off this loan that this company just stole my money. I need help to take off this loan, I am unable to pay this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: NC

Complaint narrative:
Despite having paid my student loans in full, Experian continues to report an outstanding balance on my credit report. This incorrect information has not only misrepresented my financial status but has also caused undue stress and potential harm to my creditworthiness. My primary goal is to ensure that the credit report accurately reflects the full payment of my student loans, while also maintaining the integrity of the payment history. This approach will prevent any negative impact on my XXXX XXXX during the correction process.

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 2024-08-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have a JCPenny card. There is an XXXX XXXX XXXX policy attached to the card for XXXX a month. This payment was on a monthly schedule to pay the amount and the amount was paid. Without notice, the card was transferred to synchrony bank. Synchrony bank then applied a paper statement fee without notice. At the next automatic payment the XXXX fee left a balance causing an account incur additional fees ( XXXX XXXX XXXX of. $ XXXX {$100.00} ( XXXX ), another XXXX paper statement fee, late fee of XXXX and minimum interest charge of {$2.00} ). After electronically chatting with an online represent, they said that they would reverse all of the charges but they didn't. I moved the payment for the XXXX XXXX XXXX to another credit card as I suspect the company utilizes draconian business practices to make money and attempted to use the synchrony bank online portal to further manage the account but am now unable to do so as the website only allows me to make a payment.

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 monetary relief
Consumer complaint received 2024-08-20 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: FL

Complaint narrative:
When I checked out my credit profile there was some inquiries listed that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 



Subject : Disputed Inquiry on Consumer Report I hope this message finds you well. I am writing to bring to your attention an issue I have discovered while reviewing my consumer reports. Upon inspection, I noticed an inquiry on an account that I have never associated with or initiated. 
This inquiry appears to be a mistake and is impacting my credit report unfairly. Despite my efforts to rectify this directly with the XXXX XXXX XXXX, I have not received any resolution. 
Enclosed with this correspondence, you will find detailed documentation supporting my claim, including copies of my consumer reports highlighting the erroneous inquiry. 
I kindly request the assistance of the CFPB in investigating and resolving this matter promptly. Your intervention in correcting this mistake would be greatly appreciated. 
Thank you for your attention to this issue. I look forward to your prompt response and assistance in rectifying this situation.

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 2024-08-20 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: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been trying to work with each of the companies listed and they have been unwilling to respond or advise as to why they are reporting information that is false or Fraud on my credit report. I have sent them copies of all my ID and social security numbers and the police reports and the Identity theft report from the Federal Trade Commission and they still have not been removed for responding to my request. I am asking that you aid me in having them correct this information by removing and blocking the information from my credit report as stated in section 1681c2. Block of information resulting from identity theft of 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES. 
I have also requested that they send me updated copies of my credit report and they have not done so. 

Never lived at any of the addresses listed 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 2024-08-20 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 



Subject : Disputed Inquiry on Consumer Report I hope this message finds you well. I am writing to bring to your attention an issue I have discovered while reviewing my consumer reports. Upon inspection, I noticed an inquiry on an account that I have never associated with or initiated. 
This inquiry appears to be a mistake and is impacting my credit report unfairly. Despite my efforts to rectify this directly with the XXXX XXXX XXXX, I have not received any resolution. 
Enclosed with this correspondence, you will find detailed documentation supporting my claim, including copies of my consumer reports highlighting the erroneous inquiry. 
I kindly request the assistance of the CFPB in investigating and resolving this matter promptly. Your intervention in correcting this mistake would be greatly appreciated. 
Thank you for your attention to this issue. I look forward to your prompt response and assistance in rectifying this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
My name as appears on my Birth Certificate and Iowa XXXX XXXX is different from the name on Equifax, XXXX and XXXX credit reports. My name is incorrect on Equifax, XXXX and XXXX. These names are all variations of my given name, but not my given name. I do not go by any variation of my name these names which I did not provide, and the information attached to these variations are not my information. I have attempted to address these inaccuracies and incorrect information, however Equifax, XXXX and XXXX refuse to update their files with my correct information. I have not been able to prove my correct identity to these XXXX XXXX, Equifax had a incorrect birth year XXXX and no birth date, i spoke to a rep and asked how are you able to verify information with an incomplete XXXX  profile full of inaccurate and inconsistencies? I mailed a letter to Equifax and they received the letter on XX/XX/XXXX and Equifax has not updated my XXXX  to reflect my correct information. XXXX has different variations of the name but not my name. there are addresses, phone numbers, and employers i do not recognize. XXXX is still to this date locking me out and making it basically impossible to get a response from them. XXXX has variations of the names, employers i never was employed by and addresses i have never lived at. also there are multiple inconsistencies with the XXXX file and according to law, I want the XXXX account deleted and XXXX am a government XXXX, being harmed by the malisious practices of these consumer credit reporting agencies, they are harming me financially, Personally and businesswise. I have provided all requested information in the past and still not able to verify the incorrect information pertaining to what is supposed to be a file reflecting my person, which it doesn't. The bureaus maintain their information files are correct and need to update my file to reflect my XXXX profile as it is, not as whoever provided this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I recently had a debt mostly paid from my taxes and had XXXX dollars left over of my debt. I settled the debt in the last week of XXXX of this year and the report still shows up in my credit report. It was XXXX that I owed money to which is a government type debt. I tried to dispute it XXXX times to transunion, I have proof of my payment for the debt and also called XXXX multiple times to confirm that this debt was settled in which they stated was settled by XX/XX/XXXX. They told me to contact transunion which they stated the debt of {$2.00} dollars is still owed after XXXX disputes with proof of receipt. XXXX had stated that they already reported that the debt was paid. At that point they told me to refer to CFPB. I have worked very hard to get my credit back up and dont want this to possibly affect it in the near future.

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 2024-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX a XXXX  transaction posted on my Affirm card. I contacted them right away and informed them it was an error because I did not book or make any transactions with XXXX. 
I contacted XXXX to make sure there wasnt any bookings under my account and they confirmed. I sent this information to affirm by email. 
I submitted a dispute with Affirm and have been contacting them since XX/XX/XXXX every XXXX  days they tell me they will have the appropriate department contact me in XXXX days. No calls or email regarding this matter have been received from them the transaction has not been removed from my account and now they are trying to have me pay for this transaction I did not make or receive any services for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern, I wrote you requesting validation of this alleged debt. As of today, I have not heard back from you. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 1. ) What is your authorization of law for your collection of information? 2. ) What is your authorization of law for you collection of this alleged debt? 3. ) Please send evidence your authorization to do business or operate in the state of Texas 4. ) Please provide a copy of the purchase agreement of the alleged debt. 5. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation