vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Inquiry 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 2024-12-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Wrong driver license number on file with west lake XXXX XXXX XXXX XXXX  Every time I submit inaccurate information and documents its always returned that the loan information is accurate which its not accurate information or correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: AL

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 2024-12-27 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: AL

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 explanation
Consumer complaint received 2024-12-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of a XXXX XXXX account ( Account # XXXX ) on my Experian and XXXX credit reports. I have attached documentation from the XXXX XXXX XXXX ( XXXX  ), which informed XXXX XXXX of my complaint on XX/XX/year> ( XXXX  ID XXXX ). Despite multiple attempts, the XXXX  confirmed that XXXX XXXX failed to respond or provide any validation for the alleged debt, and the case has been closed as an unanswered complaint. 

XXXX has removed this account from my credit report, which raises the question of how Experian and XXXX are still reporting this account as verified. Furthermore, the reporting contains inconsistent and incorrect information, including the open date, the date last active, and the payment history. This raises serious concerns about the accuracy of the information being furnished. 

XXXX XXXX has failed to validate this account despite my repeated requests. Therefore, it is unclear how Experian and XXXX can continue to acknowledge this account as accurate when XXXX has already taken the appropriate action to remove it. I am demanding that this account be removed immediately from my Experian and XXXX credit reports. 

Attached is the XXXX  document showing that XXXX XXXX has been unresponsive to the validation request. I request prompt action to investigate and remove this account to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and maintain the integrity of credit reporting practices. Thank you for your immediate attention to this matter.

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 2024-12-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PatientFi, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX of XXXX I opened an account with Patientfi to help pay for a medical procedure. The loan was for {$4500.00} and they advertised if you paid off the full amount in 12 months there would be XXXX interest on the account. I paid {$370.00} every month for the full 12 months. By XX/XX/XXXX of XXXX I completed the final payment of {$370.00}. Patientfi continued to charge me and I have now paid more than the {$4500.00}. In XXXX, I attempted to reach out to the company via phone and email. There were no replies to any of my emails, and when I finally got a patient representative on the phone he was unable to explain to me why they were still charging my account. He said that I had not made the proper payments, yet my bank statements say otherwise. He advised me to email the proof of payments to the customer service email. I have not received any replies from the customer service email and they continue to try to charge me and tell me that my payment is late. 
Early in the month of XXXX ( XXXX ) I received a call from a debt collector trying to collect the debt. I explained to him the situation and he couldn't see why they pushed my account into collections so he sent it back to PatientFi.

PatientFi has not communicated why I still have a balance on my account. I have bank statements that prove I have made more than enough payments in the timely manner. I am requesting that PatientFi remove any interest charges applied to my account ( in accordance with the promotions terms ) and close the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: 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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-12-27 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NC

Complaint narrative:
This correspondence serves to notify you that I have recently obtained a copy of my credit report published by your organization. Upon careful examination, Im writing to dispute the inaccurate information that appears in my XXXX consumer report. 

The Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681, pertains to Section 623, which addresses the responsibilities of consumer reporting agencies regarding the maintenance of accuracy. The Act stipulates that these agencies are required to report solely accurate information. Therefore, I kindly request to remove the inaccuracies from my report. 

On XX/XX/XXXX, I examined my credit report and discovered that Discover is reporting incorrect information. Firstly, an old address, XXXX XXXX XXXX XXXX Oh XXXX, has reappeared, although I have never resided at that location. Additionally, the status of my Discover card tradeline is incorrect. For account number XXXX, it indicates that the account was written off in XX/XX/XXXX, which is inaccurate ; it should have been written off in XXXX. Furthermore, the second Discover card, # XXXX, has an erroneous reporting status for the period from XX/XX/XXXX to XX/XX/XXXX. I request the removal of this inaccurate information from my record. 

Furthermore, regarding my Discover Credit card ending in XXXX, I have noticed that XXXX, XXXX, and XXXX reported a charge-off in XXXX, whereas it actually occurred in XXXX. Federal regulations require the accurate reporting of information, and this company has not complied. I request the removal of this inaccurate data from my credit report. 

On XX/XX/XXXX, I dispatched a certified letter to all credit bureaus, requesting the removal of accurate data associated with Discover. I informed them that they have 30 days to verify and eliminate this erroneous information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have been having a problem with experian, XXXX, and XXXX. I have been asking for the letter of approval from three credit cards that show up on my report. All three credit reporting agencies refused to send my the letter of approval from my XXXX XXXXXXXX trussee off. And refused to remove the problems. But say they they checked in to it.

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 2024-12-27 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: MA

Complaint narrative:
During a Employment background credit check, a closed XXXX XXXX XXXX account, paid in-full is being reported as derogatory. 

Post an acrimonious divorce this account had been closed/ charged-off. Being in the Financial Services, as soon as possible, I reached out to XXXX XXXX to pay the charged-off balance of {$1000.00}, XX/XX/year>. Given very few people pay-off charge-offs, I called card services and verified that the payment had been received and the account would be reflected appropriately. I was told yes. 

I feel after being forthcoming 5 years ago the punitive reporting of this account and the rating does not afford my record the appropriate credit -- The current reporting to future employers is negatively impacting my reputation, integrity and employ ability within the Financial Services Industry.

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 2024-12-27 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: FL

Complaint narrative:
I am disputing a credit account that appears on my credit report, and that has charges associated with it. The account was opened in my name with XXXX XXXX  and the account number is XXXX. However, the charges are linked to an address that I have never lived at or used. The address listed on the statement is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never lived at this address, nor have I authorized any activity related to this account. I believe this may be a case of fraud or an error in the records. The charges on the statement do not belong to me, and I do not recognize any of the transactions listed on this account.

I have already reported this issue as identity theft on the IdentityTheft.gov website.

I have attached the following documents as support : 1.PDF of the identity theft report from IdentityTheft.gov.

2.Statement with the incorrect address.

3.Credit report showing the disputed account.

4.Utility bill or lease agreement with my correct address.

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 2024-12-27 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: GA

Complaint narrative:
On XX/XX/year>, I submitted affidavits to TransUnion disputing several accounts with inaccurate or unverifiable information. The affidavits are identified by the following numbers : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additionally , I am disputing the late payments reported on the following open account, as they are inaccurate and unverifiable : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite providing affidavits and supporting documentation, TransUnion continues to report these accounts and late payments without substantiating their accuracy. Some accounts have already been removed by XXXX as unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), TransUnion must conduct a reasonable reinvestigation of disputed items and remove or correct any information that can not be verified. The continued reporting of these accounts and late payments violates FCRA standards and creates inconsistencies among credit bureaus.

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 2024-12-27 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: IL

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 non-monetary relief
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-12-27 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: TX

Complaint narrative:
My credit report contains accounts that are erroneous and should not be associated with my name. This is not only unfair but also deeply troubling, as I have never authorized or engaged in any activities related to these accounts. If you fail to investigate and rectify these issues, I will have no choice but to pursue legal 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 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I received an email from Apple inviting me to apply for their Apple Card. After reading the email, I was intrigued because it mentioned that I would earn 3 % cash back on everyday purchases. However, I wanted to clarify if there was a catch to this cash back percentage. The email didnt specify that the 3 % applies only to Apple products and specific stores, or that the 2 % applies to all other purchases made using the card through Apple Pay. I applied on XX/XX/year> for this apply card by Goldman Sachs. This information was only provided after I had already applied for the card. The emails verbiage is misleading and false. I find it hard to believe that such misleading information could be approved for use in an email to a high-value client like Apple.

I would like to file a formal complaint about this card and request that Apple & Goldman Sachs legal team review and amend the verbiage in future emails related to your Apple Card campaign. Additionally, I want to ensure that I receive the 3 % cash back as advertised in my original email. If I had known how the 3 % was broken down, I would never have applied for this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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:
I see a Mobile phone on my report I do not recognize XXXX XXXX {$1800.00} I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity thief

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