vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 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: KS

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-06-24 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Navient does not offer realistic repayment plans and puts consumers in a bad position. They fail to tell customers that interest continues to accrue in Forbearance unless you ask. They ONLY look at your yearly income and do not take into account any expenses at all that affect ability to pay, in my case, medical bills and being out of work for months at the end of last year, which put us behind on everything. Also, the fact that I'm self employed is impossible to convey to them. There are no options for a person working less than XXXX a week on three unemployment option because they require you to be registered with an unemployment agency and continuously applying for jobs. That is unrealistic for the self employed or for low wage workers, like XXXX 's, gas station, etc. where hours fluctuate or are often not full time, but are close. They do not take anything into account that makes sense, and sets borrowers up for failure. They should have options that take expenses into account in the real world. 
They need realistic options for borrowers. Just because I am not on government assistance like food stamps, doesn't mean I'm fine. Just because my husband and I have a combined income of XXXX  amount, does not mean I can pay {$250.00} a month IF they took into account actual expenses and bills, which they did not and which they absolutely refused to do. They should be required to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: FL

Complaint narrative:
XXXX XXXX  reported my mortgage late after I was placed on a repayment plan that was hold harmless and did not inform this would be the repercussion which in turn hurt. my credit, preventing me from refinancing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: CA

Complaint narrative:
For the past 6 months i have been trying to fix my credit and i have been getting the run around or stall letters or being told that my accounts are verified and accurate but when reviewing my credit reports the accounts in question are still inaccurate ( which is a violation of 1681e ( b ) ( b ) ) and when told to verify how they validated these accounts and conducted their investigation i do not get any communication back and am not provided the information requested ( which is a violation of 1692g ) my accounts that are in dispute also dont reflect that on my credit report ( violation of 1692e ( 8 ) ) and it has been way past 30 days.. 

i have attached all letters and communication via pdf to review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: FL

Complaint narrative:
I made a purchase on XXXX on XX/XX/24 and I financed the purchase through Affirm on the XXXX website. The total purchase was for {$2500.00}, I paid part of the order using my debit card and {$1500.00} was financed through Affirm with a {$280.00} financing charge for a total due of {$1700.00}. I ended up returning two beds that were purchased in the order to XXXX and my account with XXXX reflects that a refund for the first bed in the amount of {$130.00} was processed and sent to Affirm on XX/XX/24 and a refund for the second bed in the amount of {$130.00} was processed and sent to Affirm on XX/XX/24. Since that time, I have not been credited the return amount of {$260.00}. I have called, emailed and chatted online with both XXXX and Affirm roughly 10 times each regarding this return. XXXX has advised that the return shows on their end and the initial refunds were denied by Affirm. They then requested Affirm to manually process the returns, which has not been done. I was also advised by XXXX to dispute the transaction with my bank for the {$260.00} ( I did but it was denied by XXXX as I still have a pending balance with Affirm ). I have sent Affirm proof of the return on XX/XX/24. I received two emails on XX/XX/24 and XX/XX/24 back from Affirm closing my dispute saying that I was disputing the entire loan, which I was not. I have reached out multiple times since then and was told I would receive an email within 3-5 business days with nothing received. I have been assigned multiple case numbers by Affirm and multiple incident numbers by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: WA

Complaint narrative:
This is complaint is serious and is not sent in error. The inaccurate nformation in my credit report has caused me frustration and incovenience as it has impacted my ability to secure credit approvals.

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 2024-06-24 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: VI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2024-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Could you kindly take the time to thoroughly examine the documents provided as attachments? It's essential to carefully review these materials to ensure accurate understanding and consideration of the information contained within them.

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 2024-06-24 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:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding XXXX  ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: LA

Complaint narrative:
I have unauthorized inquiries that I have no knowledge of and need them removed asap. 

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 2024-06-24 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: GA

Complaint narrative:
On XX/XX/year> I reached out to TransUnion and have been filing dispute since then. I have sent in every documentation that they have request from me. I sent in a FTC report informing them that they are reporting fraud on my consumer file. They stated that the XXXX Bankruptcy XXXX verify that the bankruptcy is reporting accurate on my file. I went to the court house and obtained a letter from the XXXX Bankruptcy XXXX which stated that they don't report bankruptcy. I have contacted XXXX which is stated on TransUnion website is their three party vendor. XXXX ensure me it's no bankruptcy reporting on my file because it was removed due to fraud. This bankruptcy has been removed from XXXX and XXXX. I have filed over 20 dispute with TransUnion each time the come back as verified. I have contacted XXXX and had them file a manual dispute several times and each time TransUnion is coming back less then 30 days stated that it is verified as accurate.The federal fair credit reporting act promotes accuracy, fairness, and privacy of information in the consumer reporting agencies. Consumer reporting agencies must correct or delete incomplete or inaccurate information. TransUnion has failed to abide by the rules and the laws set in place for consumers. I have been fighting with TransUnion for two years to remove this inaccurate. I have send in all the documents that they have requested. I really need help! I am trying to purchase a home and this is hurting me. My next step I will be filing a statement of claim if I can't get this resolved with them.

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 2024-06-24 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: TN

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Back in XXXX I was a victim of fraudulent activity on my XXXX credit card ( issued with Wells Fargo ). I put a Fraud Alert under my name and my account was closed. I paid off my last statement completely. Which included my XXXX Rent. 

However, something happened with the rent payment. And I still had to pay XXXX 's rent with my checking account even though I paid it via my most recent XXXX credit card statement. I talked to XXXX customer service and they mentioned that they gave me a credit with Wells Fargo, and that they would be able to assist me further. 

I have contacted Wells Fargo 3 times. The first 2 times they said they see a credit on my account and will mail me the check. I never received it. I later went to a branch in person to try to apply for the same credit card in order to get my credit that way, but they said I could not apply for the XXXX card at the branch ( and I need to apply in person because I have a fraud alert with the credit bureaus ). I recently contacted them again and the person I contacted did not help me at all.

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 2024-06-24 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: SC

Complaint narrative:
I purchased a used XXXX XXXXXXXX XXXX from XXXX in XXXX for a little over {$17000.00}. While I was told the interest rate would be at 16 %. Upon reviewing the documents after signing and home with the car I found out the interest was 28 %. After XXXX payments of {$520.00} per month plus their {$5.00} fee to take a payment, American Credit Acceptance has been paid {$33000.00} dollars. That's less than {$25.00} double the asking price of the vehicle and more than what a brand-new fully loaded top-of-line XXXX XXXX cost today. I have called them complaining and each month instead of the payment owed going down, it increases with my car loan scheduled to end in XXXX of this year. The principal balance that remains on the loan is a little over {$7000.00}. Meaning, that of the {$33000.00} I have already paid, only {$10000.00} XXXX  went toward the principal and the rest in interest. This is highway robbery and dealers should be required to explain this rather than summarize and point to the x on the contract asking for your signature. I would like something done about this because I am now less than 69 days behind and they're threatening repossession. Not only that, they're demanding {$7000.00} a little more to lay the car off on a XXXX loan scheduled to end this XXXX, and if laid, I would have paid over {$40000.00} on a {$17000.00} loan for a XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: NJ

Complaint narrative:
It seems that under FCRA 605B, we need to eliminate any incorrect accounts from my credit report. Could you verify the documents? Some accounts listed have errors in reporting, amounts, and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
AmeriHome Mortgage reported my mortgage late after I was placed on a repayment plan that was hold harmless and did not inform this would be the repercussion which in turn hurt. my credit, preventing me from refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: NC

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA XXXXONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief