vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, has violated my rights. 

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 1666 B : A creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have already discussed with Ally Auto that I am going to begin to have issues with payments due to losing my higher paying job due to Covid reasons I have been successful at completing all transactions however I now Im having another issue with is the fact that I have a medical emergency I was involved in a motorcycle accident where I was the XXXX XXXX XXXX XXXX I ended up falling off 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 can XXXX I was told that I can not have payment extensions due to the fact that the loan is a new loan and the current amount still owed is kind of high however I have a medical emergency I am now waiting on XXXX to be filed because I have no XXXX date and my medical insurance is not fast at doing this process I am not happy that the fact that Ally auto denied any payment option besides basically repossessing the car that I now have to drive because my motorcycle I cant drive with a XXXX XXXX XXXX XXXX and vehicle that I need could get repossessed because Im probably not going to be able to pay that over my rent and its going to be a while before the XXXX gets even approved and scheduled XXXX gets done before I can even return to work as well

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 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the fair reporting act the following companies have violated my rights 1. XXXX XXXX XXXX XXXX account # XXXX 2. XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX 4. XXXX 's account # XXXX XXXX. XXXXXX/XX/XXXX account # XXXX XXXX. XX/XX/XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX 8. XXXX XXXX account # XXXX 9.XX/XX/XXXXt # XXXX 10.XX/XX/XXXX account # XXXX 11. XXXX XXXX XXXX account # XXXX 12. XXXX XXXX account # XXXX 13. XX/XX/XXXX account # XXXX 14. XXXX XXXX account # XXXX 15. XXXX XXXXXX/XX/XXXX account # XXXX 16. XXXXXX/XX/XXXX account # XXXX 17.XX/XX/XXXX account # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions The last 4 digits of my SSN is 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 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
On XX/XX/2022 I went to XXXX XXXX to purchase a cellphone I needed immediately. My purchase was denied because TeleCheck ( XXXX ) XXXX denied my check to XXXX XXXX. I had over {$1000.00} in my checking account to more than cover the {$480.00} phone, and I have never bounced a check in my more than 40 years of writing checks. I've had this current checking account for 20+ years. 

TeleCheck said they denied my check because they had no record of my checks. I've written several checks a month on this account for the past 20 years! The fact that they have no record of my checks is NOT my fault... it is the fault of TeleCheck. What more do I need to do than write several checks a month for XXXX years???!!! 

So TeleCheck thru their own incompentence failed to track my checks, and is now depriving me as a consumer the ability to make purchases at companies that use their service. 

( TeleCheck Case # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # has violated my rights 15 U.S.C 1681 section 602A. states i have a right to privacy.

15 U.S.C 1681 section 604A section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am a victim of identity theft, no one is helping me to remove the transactions 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 non-monetary relief
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have served my country for the last XXXX years as a XXXX military XXXX  and a XXXX XXXX XXXXXXXX and XXXX. I was recently awarded the Public Service Loan Forgiveness ( PSLF ) for my service and excellent payment history. 

Score Change My score dropped nearly 100 points since I was awarded the PSLF. It is a travesty that I have to suffer such a drop in score for serving for over 30 years and having great payment history. I never missed a payment in the entirety of my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have served my country for the last XXXX years as a XXXX military XXXX  and a XXXX XXXX XXXXXXXX and XXXXt. I was recently awarded the Public Service Loan Forgiveness ( PSLF ) for my service and excellent payment history.

Score Change My score dropped nearly 100 points since I was awarded the PSLF. It is a travesty that I have to suffer such a drop in score for serving for over 30 years and having great payment history. I never missed a payment in the entirety of my student loans.

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 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
XXXX XXXX apartments opened accounts for all residents with XXXX. This was not on the lease agreement I signed. Residents were not given a choose to opt out. I did not create this account and did not want my private information shared with XXXX. They are now on my credit report. I would surely think something like this should be illegal. Apartment complex says I must contact XXXX. Not possible to talk to human. Apartment manager even tried. Tried the email address XXXX gave for help, it was undeliverable. I am very concerned about this.

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 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have found XXXX accounts opened by my ex girlfriend co worker and I have filed a FTC report on her finally. But i do fear retribution from her and her friend so I am not pressing charges but this has been going in for 2 years and has caused me alot of grief. I tried to dispute this in the past but am coming forward to put this to a close

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: RI

Complaint narrative:
Summary : Affirm has confirmed a technical issue with deducting my loan payments and the research team has yet to provide a response in over 2 weeks. My account is now 30+ late and I am at risk of having a delinquency on my credit report. 

Description : During the month of XX/XX/XXXX, I attempted to make payments to Affirm to pay off my monthly loan amount and various times and then attempted to clear the full loan balance. For the first time in my account history, the payment was declined on the Affirm side ( not the bank side ) for an unknown reason - even with excess funds available in my XXXX XXXX and Bank XXXX XXXX accounts. I subsequently tried several different accounts and debit cards- all with excess funds available- each time the payment was unsuccessful on the Affirm side. I also initiated a three way call with 2 different banks where a payment was attempted and again, the payment was unsuccessful on the Affirm side. In each case, the bank rep confirmed that funds were available and the issue was on the Affirm side. In addition, Affirm representative has confirmed that this is a technical issue that they have never experienced and promised a call back withing 2-3 days. The first technical troubleshoot case was opened on XX/XX/XXXX - It's been over 2 weeks and no one can explain what the issue issue. 

-The account has been noted with the series of events. 
-There are several complaints and cases pending stemming from early XXXX. 
-I 've spoken with 4 supervisors, no one can help or help expedite the technical cases. 



Affirm Account : XXXX XXXX call log : XX/XX/XXXX - several times, XXXX XXXX times, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has violated my rights by verifying each of the following disputed accounts : XXXX XXXX XXXX # XXXX reporting is INCOMPLETE. 
Experian has XXXX XXXX 's XXXX XXXX ' as 'Not Reported '. 
Experian has XXXX XXXX 's XXXX XXXX ' as 'Not Reported '. 
( see attached proof ) XXXX XXXX XXXX Account # XXXX reporting is INCOMPLETE. 
Experian has XXXX 's XXXX XXXX ' as 'Not Reported '. 
Experian has XXXX 's XXXX XXXX ' as 'Not Reported '. 
( see attached proof ) XXXX XXXX XXXX Account # XXXX reporting is both INCOMPLETE and INACCURATE. 
Experian has XXXX 's 'Terms ' as XXXX  months although the term is XXXX months. 
Experian has XXXX 's XXXX XXXX ' as 'Not Reported '. 
( see attached proof ) US Bankruptcy CT public record Identification # XXXX is INCOMPLETE. 
A letter is missing from the XXXX XXXX number. 
( see attached proof ) As per the 15 U.S.C. Section 1681 of the Fair Credit Reporting Act, Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.

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 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX  account # XXXX Has violated my rights. 

15 usc 1681section 602 a states I have a right to privacy 15 usc 1681 section 604 a states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, otherwise known as XXXX XXXX XXXX, and I am writing your agency in response to an inaccurate credit reporting on XX/XX/2022. I received an Experian XXXX communication from the Experian mobile app which notified me that my FICO score has decreased by XXXX points. After careful review of my consumer report, it is not clear any derogatory credit transaction or account should have negatively impacted my credit rating in such a drastic manner.

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 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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. 

XXXX XXXX XXXX Account # XXXX, XX/XX/XXXX XX/XX/XXXXAccount # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XX/XX/XXXX Account # XXXX, XX/XX/XXXX Account # XXXX, XX/XX/XXXXAccount # XXXX, XX/XX/XXXX Account # XXXX, has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, 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: FL

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. 

XXXX XXXX XXXX Account # XXXX, XX/XX/XXXX XX/XX/XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX,XX/XX/XXXX Account # XXXX, XX/XX/XXXX Account # XXXX,XX/XX/XXXX Account # XXXX, XX/XX/XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am a victim of identity theft, no one is helping me to remove the transactions 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 non-monetary relief
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am a victim of identity theft, no one is helping me to remove the transactions from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, 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:
The unknown inquires listed below are unknown to me and have shown up on my credit report. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The unknown inquires listed below are unknown to me and have shown up on my credit report. 
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

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 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello I recently received a copy of my credit report after calling numerous times and see that you are reporting inaccurate information on the personal information section of my credit report. The Fair Credit Reporting Act states that you must report with " Maximum Possible Accuracy ''. To diminish any speculation my information is as follows : Legal name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, Pa XXXX Please remove any other references to my name and address as they are not mine and I have never used them. Also please send copy of my credit report after these changes have been made. 

Best Regards, 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 explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XX/XX/XXXX Account # XXXX XX/XX/XXXX Account # XXXX XX/XX/XXXX XXXX Account # XXXX XX/XX/XXXX Account # XXXX XXXX XX/XX/XXXX Account # XXXX XX/XX/XXXX Account # has violated my rights 15 U.S.C 1681 section 602A. states i have a right to privacy. 

15 U.S.C 1681 section 604A section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XX/XX/XXXX Account # XXXXXX/XX/XXXX Account # XXXX XX/XX/XXXX XXXX Account # XXXX XX/XX/XXXX Account # XXXX XXXX XX/XX/XXXX Account # XXXX XX/XX/XXXXAccount # has violated my rights 15 U.S.C 1681 section 602A. states i have a right to privacy. 

15 U.S.C 1681 section 604A section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation