vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Paramount GR Holdings, LLC
State: NV

Complaint narrative:
I, XXXX XXXX XXXX, XXXX  XXXX years old, signed and agreed to install 2 Air Conditioning units from XXXX XXXX XXXX XXXX company valued at {$37000.00} early part of XXXX XXXX was also offered a Promotional loan, No Interest 18 months to pay which I agreed t0. 

On XXXX XXXX, I received by email from Goodleap , LLC, a finance company, Welcome letter, a loan statement for my XXXX bearing an interest of $ 15.49 % and XXXX years term which I immediately rejected ( evidence by my email dated XXXX XXXX attached ) .Informed them of my preference of the Promotional 18 months to pay offered by XXXX 
On XXXX XXXX, Goodleap sent a revised multiple pages loan contract acknowledging the Promotional 18 months to pay No interest, but incorporated with their original 15.49 % interest loan ( also transferring my signature from my signed agreement with XXXX ). 
I started paying based on the 18 moths promotional loan, {$2000.00} on XX/XX/XXXX and every consecutive moths there after till XX/XX/XXXX for a total amount of {$32000.00} and the full amount of {$5500.00} to be paid the following month to pay off the loan. 
On XXXX XXXX, XXXX I received by mail from Goodleap, notice of my loan that it is now {>= $1,000,000} for the simple reason that I did not pay onor before XXXX XXXX. 
I immediately called to pay my balance of {$5500.00} which was denied. I was told that any payment would now go towards accrued interest. I explained and reasoned out to them that the whole month of XXXX is still the XXXX month of my loan. 
The following day, XXXX XXXX, I paid online {$3500.00} intended to pay balance of my Promotional loan but Goodleap applied it to their imposed accrued interest. 
I pleaded with the Supervisors, Managers, Loan Specialists and other people in the company to honor my request to charge me " Late Payment Penalty Fee '' since I missed their imposed XXXX XXXX, XXXX deadline but was completely ingnored and denied. 
I believe this incident is an ABUSE to the consumer. I was taken advantaged of and deceived.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Urgent Complaint Regarding Unauthorized Transactions and Data Breach Dear Sir/Madam, I am writing to formally lodge a complaint concerning issues following a payment of {$2000.00} I made on my loan account with AidVantage customer service representative. This incident has raised serious concerns about the security of my personal information and the integrity of your processes. 
On the XXXX day of XXXX, XXXX  at around XXXX XXXX XXXX XXXX this morning, I authorized my brother to make the payment on my behalf, as I am currently outside the United States, we provided your customer service representative with sensitive personal details, including my Social Security number, full name, date of birth, and account information ; debit card name, debit card number, expiration date, and card security number, all this information were requested by your customer service representative. Following this transaction, I began receiving bank notifications about unauthorized purchases made with my financial information. 
It is alarming to note that within approximately an hour of providing these details : 1. Three unauthorized transactions were recorded in my bank account.

2. These transactions occurred after the payment on my loan, indicating a possible link between the two events. 
This sequence of events strongly suggests a potential compromise of my personal and financial information. I am deeply troubled by the possibility that this breach occurred during my interaction with your customer service. 
I request that AidVantage urgently take the following steps : 1. Investigate this incident thoroughly to determine if there has been any compromise of my personal information through your systems or processes.

2. Secure my personal information and account and implement additional safeguards to prevent further unauthorized access.

3. Provide a detailed report explaining how my information may have been exposed and what measures you will take to prevent such incidents in the future. 
This incident has caused me significant stress and inconvenience, and I expect prompt action to resolve this matter. Please treat this as an urgent priority.

I look forward to your swift response. You may contact me via email at XXXX for further clarification. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/year> I requested a one year fraud alert be added to my accounts with all XXXX  credit bureaus due to exposure of my social security number. In XX/XX/year> XXXX of my checks were forged. I completed forgery package for my bank and also filed police report ( see attached documents ). I contacted XXXX and requested an extended seven year alert be added to my account. They accepted documents, informed me that extended alert would be added through XX/XX/year> and info would also be sent to Experian and XXXX. XXXX notified me alert had been added. Experian did not. NOT ONLY DID I NOT RECEIVE CONFIRMATION FROM EXPERIAN REGARDING EXTENDED ALERT, THE ONE YEAR ALERT HAS BEEN REMOVED. IT IS IMPOSSIBLE TO REACH AN EXPERIAN REPRESENTATIVE AND THERE BOT IS A JOKE. I FEEL THAT MY IDENTITY HAS BEEN PUT MORE AT RISK BY THEM REMOVING THE ORIGINAL ONE YEAR ALERT AND FAILING TO ADD EXTENDED ALERT. IF MORE INFO WAS NEEDED CONSUMER SHOULD HAVE BEEN CONTACTED. PLEASE FIX THIS PROBLEM AS SOON AS POSSIBLE. THANK YOU FOR YOUR ASSISTANCE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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:
Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Credit Cards from XXXXXXXX XXXX with a balance of {$1400.00}, XXXX Loans from XXXX XXXX with a balance of {$1700.00}. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
A verification dispute was sent out to Equifax on XX/XX/year> about verifying the accuracy of negative accounts on my credit report. It has been over XXXX months and I still have not received a response from Equifax regarding my dispute letter. 

According to the FCRA, the credit bureaus must investigate and respond to disputes in a specific timeframe. Equifax has failed to comply with the rule of the FCRA. With this complaint, I will be including a copy of my dispute letter that I sent out to Equifax and a copy of my ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of the accounts listed below as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask for these accounts to be promptly removed from my credit report to protect my personal and financial information. 
Affected Accounts : 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 2024-11-18 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: GA

Complaint narrative:
I've sent multiple dispute letters to the credit bureaus and they declined and said because my letters were too well written that there's no way i wrote 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 explanation
Consumer complaint received 2024-11-18 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: SC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: KS

Complaint narrative:
I requested payment revocation on Monday XX/XX/year> for the payment that was due on Wednesday XX/XX/year>. Dave customer service responded to request XXXX advising that they were not able to complete my request because they require a minimum of 3 business days before a scheduled date of transfer. The account is now past due and I have again requested a payment revocation of all payment authorizations on Friday XX/XX/year> and was again advised on XX/XX/year> that a minimum of 3 business days before a scheduled date of transfer. I advised that I was filing this complaint and the account was sent to a supervisor for review, who provided the same answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: FL

Complaint narrative:
I have have been the victim of Identity theft. I have contacted Experian disputing fraudulent accounts and inaccurate personal information reporting to my Experian credit report. These fraudulent accounts still remain. These fraudulent accounts are detrimental and not a true reflection on my credit stewardship. I am requesting these fraudulent accounts and inaccurate personal information to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: TX

Complaint narrative:
these hard inquiries and account dont belong to me, hasnt being authorized by me and has to be removed. Also this is well. Thanks. Hard Inquiries 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 non-monetary relief