vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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: AL

Complaint narrative:
I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I have recently learned that I am a victim of a data breach, and unauthorized access to my personal information has led to the reporting of fraudulent accounts and inquiries. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these fraudulent accounts and inquiries be blocked and deleted from my credit report.

Accounts to be Blocked and Deleted : 1. XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$10000.00} Unauthorized Inquiries to be Investigated : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/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 2024-12-20 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:
XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX credit card accounts must be removed from my credit report. I was denied credit due to this fraudulent accounts on my XXXX, transunion, and XXXX credit reports.

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 2024-12-20 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: NY

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX credit card accounts must be removed from my credit report. I was denied credit due to this fraudulent accounts on my XXXX, XXXX, and equifax credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
under 15 U.S. Code 1681i ( a ), I have the right to request an investigation of disputed information. I am demanding proof of the investigation that took place, including documentation of the permissible purpose for these inquiries and the name of the person or entity who authorized them. If this evidence can not be provided, the inquiries must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX : XX/XX/year> XXXX. XXXX MORTGAGE XXXX XX/XX/year> XXXX. XXXX  : XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX : XX/XX/year> XXXX. XXXXXXXX XXXX XXXX XX/XX/year> XXXX. XXXX  : XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Im beyond frustrated after looking at my credit report and seeing multiple inquiries from your company that I never authorized. These inquiries are wrecking my credit score, making it impossible to get decent loan terms, and adding unnecessary stress to my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a 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 2024-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I started paying for XXXX XXXX XXXX on XX/XX/XXXX with a loan through Santander Consumer USA. Cost of loan shows as {$15000.00} interest rate of 22.80 %. Payments are {$410.00} a month - The date of today, XX/XX/XXXX amount owed {$7100.00}. I've tried several times to understand how my car price has hardly lowered? The customer service reps are not able to explain properly since even paying high interest, late fees, etc... .The amounts being charged basically has me paying double for a used XXXX car. Also, the estimated amount to payoff is only {$7400.00} which is good through XX/XX/XXXX. I feel this company has taking advantage of me with the amounts I pay this car should be closer to pay-off. This is a 6 year loan but again the amounts don't add up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: IL

Complaint narrative:
I called XXXX to get a validation of debt that they say I owe of XXXX from all of the schools they say I attended I asked for Promissory notes with my signatures, they responded that they would send proof. Two days later I got an email from XXXX with a Promissory note from XXXX XXXX saying I owe XXXX that was the only proof they provided with that being said all three of my credit reports show I owe XXXX this is inaccurate info and affecting my credit negatively I need the loans showing on my credit bureaus to be removed permanently because XXXX can not validate the remaining 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 2024-12-20 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: IL

Complaint narrative:
I called XXXX to get a validation of debt that they say I owe of XXXX from all of the schools they say I attended I asked for Promissory notes with my signatures, they responded that they would send proof. XXXX days later I got an email from XXXX with a Promissory note from XXXX XXXX saying I owe XXXX that was the only proof they provided with that being said all three of my credit reports show I owe XXXX this is inaccurate info and affecting my credit negatively I need the loans showing on my credit bureaus to be removed permanently because XXXX can not validate the remaining XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: IL

Complaint narrative:
I called XXXX to get a validation of debt that they say I owe of XXXX from all of the schools they say I attended I asked for Promissory notes with my signatures, they responded that they would send proof. XXXX days later I got an email from XXXX with a Promissory note from XXXX XXXX saying I owe XXXX that was the only proof they provided with that being said all three of my credit reports show I owe XXXX this is inaccurate info and affecting my credit negatively I need the loans showing on my credit bureaus to be removed permanently because XXXX can not validate the remaining 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 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
The account was opened fraudulently, all charges are fraudulent. Request proof of debt and legitimacy of charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORtT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im beyond frustrated after looking at my credit report and seeing multiple inquiries from your company that I never authorized. These inquiries are wrecking my credit score, making it impossible to get decent loan terms, and adding unnecessary stress to my life.

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 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: MO

Complaint narrative:
This complaint about Aspire, https : //www.aspire.com/, my account number ending in XXXX. 

On XX/XX/year> XXXX issued payment for a balance transfer to Aspire to consolidate my outstanding debt. On XX/XX/year>, I messaged via their chat portal to confirm if they have received the payment, since it did not show on their portal. Aspire informed me they did not accept balance transfers and it was against my card holder terms agreement. I requested a copy of my card holder terms agreement via email and mail, which the representative informed me would take XXXX business days to receive by email. On XX/XX/year>, I called back to inquire about the balance transfer payment from XXXX, as it hadnt been returned and I havent received my card holder terms agreement yet. The representative informed me again on the call I was not allowed to use a balance transfer to pay off my credit card balance with Aspire. On XX/XX/year> I logged in to my account, which was the last day to make a payment to avoid late fee. I had an autopay schedule for {$84.00} and I made a payment for {$1600.00} to pay off my card to avoid interest and fees in the next statement period. On XX/XX/year> I logged in to check my payments had posted, Aspire had then back posted the check from XXXX for {$1700.00} reflecting a payment date of XX/XX/year> which was not previously reflected on my account on XX/XX/year> and did not post my auto payment for {$84.00}. I called Aspire on XX/XX/year> to again inquire about the balance transfer payment they posted after they told me twice they would reject the check because it wasnt an option for my account. I requested my card holder terms agreement again, the representative said i would have to wait XXXX business day and if i still hadnt received it to call back and request it again. I told him I requested it on XX/XX/year>, he then stated it was emailed to me on XX/XX/year>, but I have no emails. I proceeded to request they send it again via email and mail and close my account immediately. I also requested a refund for the {$1600.00} payment, which they stated would be returned via check to my address with in 14 business days.

This complaint is to address if a credit card company is allowed to deny a balance transfer payment in an effort to consolidate debt. Also, why was there a 14 days delay in applying the payment after I was told the payment would not be applied? Finally, why is there a 14 day delay in returning the double payment? These behaviors by Aspire seem predatory and prevent me from getting relief from debt. None of the other cards that I used in this debt consolidation method had problems accepting and applying the payment in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Lending Services LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX / XXXX. I have disputed this with XXXX, XXXX and XXXX. This account has several factual errors and that is against the law. 

The company in question has continued to hurt my credit rating, and my mental well being.

15 USC 1681EB and 15 USC 1681 I5a, any thing, PERTAINING TO ACCURACY, that is fraud and willingly and harmfully trying to cause harm and harassment must be removed. Also states that if the consumer file is found to be inaccurate, incomplete or unverifiable it must be deleted or modified.

Factual errors are : but not limited to : * Account has been closed by the consumer.

*Cant say that its a balance is owed, when Company in question has charged it off as DEBT/income.

*Stating that an account is passed due, when sold to another lender ( 2 ) companies cant show same balance owed. 
*Sold my personal information to another lender without my knowledge or consent. 
* Has not show last payment, when sold and or 1099 has NOT been given to consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have spoken to XXXX XXXX XXXX XXXX at Wells Fargo office and she states that the inquiry ( original ) would be removed in 90 days. From XX/XX/XXXX. It is now XX/XX/XXXX. 

I was told if it is not removed they I should call directly and the customer service states that he spoke with her and that he was instructed to just open a new complaint?? 

I had A XXXX credit score and 99 % available credit and was denied. U no longer want any credit but the removal of a discriminatory denial! I have asked for removal and it was agreed to be removed in 90 days. Nothing was done. 

The second inquiry was run because they asked me to unlock my credit report and they ran my credit 2 times in a week. XXXX removed it while I was in the phone. Wells Fargo never removed their original inquiry and can not justify the denial because their reasoning does not match my credit report. 
I need the original inquiry removed. 

XXXX XXXX was very aware of the inquiry that is still in my credit report and assured me it would be off in 90 days. 
Now she is saying open up a new case? 
Unfair practices is causing me aggravation and migraines and. Frustration during the holidays!! 

XX/XX/XXXX letter states 90 days but she knew it did not state original inquiry! 

All I want is the inquiry removed I have sent proof to show my credit report to their email and there is no reason for denial therefore remove inquiry. 
Their advertised or permission for a third party to advertise good credit only is their their advertising!!

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 2024-12-20 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:
All my credit reports from all XXXX Bureaus, but not limited to XXXX, EQUIFAX, and XXXX, where compromised due to DATA Breach. 

I have so many things on theses reports that are incorrect, and are not mine and or have no Knowledge of.

Due to these data breaches I am requesting all negative information hurting my character and my mental wellbeing, be removed until everything can be VERIFIED with accuracy According to the Laws of the FTC and CFBP, investigated with fairness and without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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:
All my credit reports from all XXXX Bureaus, but not limited to XXXX, XXXX, and EXPERIAN, where compromised due to DATA Breach. 

I have so many things on theses reports that are incorrect, and are not mine and or have no Knowledge of.

Due to these data breaches I am requesting all negative information hurting my character and my mental wellbeing, be removed until everything can be VERIFIED with accuracy According to the Laws of the FTC and CFBP, investigated with fairness and without prejudice.

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