vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 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 XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-26 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These hard inquiries were not authorized by me and I will like them removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-26 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 XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX  XXXX XXXX - Account Number : 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 2024-09-26 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX  XXXX XXXX - Account Number : 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 2024-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am writing to formally dispute the accuracy of a collection account listed on my consumer report. 
I did not receive any prior notification or collection request regarding this account, which has caused significant problems in my current financial situation. The absence of communication from the collection agency has left me unable to verify the legitimacy of this debt, leading to confusion and distress. 
As per the Fair Credit Reporting Act, I request that you investigate this matter and remove the collection account from my report if it can not be validated. Please provide me with written confirmation of the outcome of your investigation. 
Thank you for your prompt attention to this matter. I look forward to your response.

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 2024-09-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelson Cruz & Associates LLC
State: IN

Complaint narrative:
On XX/XX/XXXX, a representative named " XXXX '' of Nelson Cruz and Associates contacted me regarding a debt they allege for a payday lender, XXXX XXXX XXXX. 
She made several false statements during the call, which she claims was recorded. 
XXXX ) she said that XXXX XXXX  notified of multiple NSF payments- this is false, because on XX/XX/XXXX I notified XXXX XXXX to halt all ACH/electronic withdrawals, and they responded acknowledging they had done so. 
XXXX ) I attempted to explain to the representative that I was on XXXX XXXX  at this time, and she said " So, you were on XXXX XXXX  when you took out the loan ''. I was not, I was not of retirement age when the alleged debt occured. She further said " that's what my paperwork says ''. I know this to be a lie. 
XXXX ) I advised her that I was set for an XXXX XXXX and her response was " is that why you are so angry ''? I told her I was not paying the debt, and further attempted to explain that I have requested proof of this debt from XXXX other companies and it has never been provided. 
XXXX ) I explained to her that the loan was predatory, and exceeded the legal limits in my state for interest. She did not want to hear my explanation, she continually tried to talk over me and then threatened " we'll just report it on your credit report tomorrow ''. 
I've received no proof of debt, and absolutely NOTHING in writing from this company. They left me a voicemail stating " you must accept our offer today ''. No offer had been made. 
XXXX ) They are not licensed to collect debt in the State of Indiana

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: IL

Complaint narrative:
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2024-09-26 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: Aargon Agency, Inc.
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX Missouri Laws Dear AARGON AGENCY INC, I am writing to address the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and relevant identity fraud laws, including those specific to XXXX, Missouri. 

It has come to my attention that AARGON AGENCY INC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, mandates consumer consent for such reporting activities under Section 1681b ( a ) ( 2 ). 

Additionally, XXXX, Missouri, laws governing identity theft and fraud emphasize the need for consumer authorization in any activity involving personal financial information. Violations of these laws, including the misuse or unauthorized disclosure of credit data, can result in severe legal consequences, both under state and federal statutes. 

I assert that I have not provided consent for AARGON AGENCY INC to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and an undeniable breach of both federal and state laws. 

I demand that AARGON AGENCY INC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable XXXX, Missouri, identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under both federal and state laws.

I emphasize that obtaining consent is a legal obligation, not a discretionary action, under the specific sections of the FCRA and XXXX, Missouri, identity theft fraud laws. This is not a negotiation but a demand for compliance with the regulations protecting consumers from unauthorized credit reporting. 

I anticipate your immediate attention to this matter and expect that AARGON AGENCY INC will promptly rectify these violations, respecting my rights under both federal and state laws. 

Done in good faith.

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 2024-09-26 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 was shocked to find inaccurate accounts on my credit report this morning, and I have no idea how they got there. I check my report regularly, but this time, there were discrepancies that seemed to come out of nowhere. I even tried refreshing the page, thinking it might be a glitch, but unfortunately, the errors remained. Im deeply concerned, and I urgently request a thorough review of the documents Ive provided so I can stop worrying 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 explanation
Consumer complaint received 2024-09-26 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: GA

Complaint narrative:
This morning, I was shocked to see incorrect accounts listed on my credit report, and I have no clue how this even happened. I checked like I normally do, but suddenly, there were inconsistencies that made no sense. I even refreshed the browser, thinking it could be a glitch, but the errors remained. I'm really disturbed by this and want the documents I've sent reviewed carefully so I can finally stop worrying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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:
Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Tesla, Inc.
State: VA

Complaint narrative:
I was inquiring about a Tesla XXXX  XXXX and XXXX XXXX, and I was definitely interested in ordering one on or about XX/XX/2024 to XX/XX/2024. After filling out the prequalification, I started getting calls and emails from a salesperson named XXXX XXXX ( XXXX ) ( XXXX ). Her explanation was that the prequalification is based on my zip code, which honestly sounded fishy to me at first, having prequalified already at both XXXX and XXXX XXXX. I did not prequalify for Tesla according to the website, as it were. She later informed me that XXXX XXXX was one of the places they finance through, so that was even more confusing. I didn't think much about it at the time but eventually I figured out the catch. 

She was suggesting that I go ahead and apply for credit anyways, which I reluctantly and eventually agreed to do because, sure, I would like to have a Tesla XXXX. What's the worst they can say? No? I've been told " no '' before. I'm no stranger to " no. '' So finally I was ready. She walked me through the process for about a half hour and was kind of trying to push me into the next steps. I don't think she did anything wrong on her part, and my complaint is certainly not about her at all, but the last thing I learned about the Tesla ordering process left me very uncomfortable about the whole deal. So uncomfortable that I'm put off completely by it. 

She said I would have to pay the " non-refundable '' {$250.00} " order fee '' in order to apply for credit to purchase their existing inventory which I would also have to go fetch myself wherever it was located at, and they had existing inventory in XXXX XXXX XXXX XXXX. That's a no-go for me. Sure, I can go get it, no problem. That wasn't even a problem. I didn't even know that this kind of predatory loan behavior even exists ; I certainly don't know if it is legal or not, but it's definitely not ethical. Somehow, I thought I would be applying for credit first, but I was informed that I would not be able to apply for credit until after the order had been placed. These guys are definitely backwards. She said something like, " that's just how things work at Tesla. '' That's not how anything works in my whole life. So, sorry about that. Not today. Not ever. 

Let me be clear that I would never pay for the privilege of asking permission to borrow money, not knowing the terms of the loan upfront before " ordering '' anything. I am fairly confident this is some kind of a consumer loan scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went into the branch first thing in the morning around XXXX XXXX to do XXXX wire transfers of {$250000.00} each to XXXX different money markets accounts. One was XXXX XXXX  and one was XXXX XXXX. I paid the fees of {$30.00} each I believe and made sure they were completed promptly. When I checked both Banks later in the day they claimed they had not received the wires hours after I did them. I went into the branch the next day and said why was my money not transferred promptly when it was done early in the morning. They said that they processed them as soon as possible while I was there but then it goes to their wire transfer department and they have no control over that. It turns out the wire transfer department at BMO didn't process my wire transfers which ended up with them not reaching the accounts early enough for me to earn interest on them that day ( although they had everything needed to process them easily that day in time for the receiving banks to credit he interest ). The net result was that I lost the interest on XXXX XXXX XXXXXXXX dollars at BMO that day and lost it at the other end on the other XXXX branches. I chose to do my wire transfers originally starting the week before at BMO because they gave me their word that they would process them and I would earn interest over the previous weekend which they also did not fulfill after promising me that they would. I believe this cost me probably about {$400.00} because of bmo 's delays with no reasons provided. To me this is fraudulent practices by bmo. Hanging on to the money but not crediting the customer interest and then not processing the wires so that they accrue interest on the other end is dishonest and seems illegal.

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 2024-09-26 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
ATTORNEY GENERALXXXX XXXX Balance {$49000.00} ATTORNEY GENERALXXXX XXXX Balance {$58000.00} XXXX XXXX XXXXXXXX Balance {$230.00} OAG CHILD SUPPORT XXXX XXXX Balance {$49000.00}

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX opened an account on XX/XX/year>, for the amount of {$1000.00}. I have never signed a contract with them, nor have I received any services or incurred any charges totaling this amount.

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 2024-09-26 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: CA

Complaint narrative:
XXXX XXXX XXXX opened an account on XX/XX/year>, for the amount of {$1000.00}. I have never signed a contract with them, nor have I received any services or incurred any charges totaling this amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX opened an account on XX/XX/year>, for the amount of {$1000.00}. I have never signed a contract with them, nor have I received any services or incurred any charges totaling this amount.

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 2024-09-26 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: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX  - Account Number : XXXX - BALANCE {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: NY

Complaint narrative:
First and foremost, I want to emphasize that my right to privacy is of the utmost importance. 
I am asserting this right with this dispute letter. According to 15 U.S. Code 1681 ( a ) ( 4 ), you have a responsibility to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am invoking this right under the law and expect that all the information provided is treated with the highest degree of fairness, impartiality, and respect for my privacy. Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized the following companies to access my information. Their actions are in clear violation of this statute. I am requesting the removal of the following account ( s ) from my credit report, as they are negatively impacting my reputation, character, creditworthiness, credit standing, and credit capacity. Enclosed with this letter is an official FTC report filed under penalty of perjury, further substantiating my claim. Given your legal obligation to protect my privacy, I request that this matter be handled with the utmost urgency. 
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