vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX Subject : Dispute of Unauthorized Personal Loan Reporting Dear, I am writing to formally dispute an entry on my credit report related to a personal loan reported by Affirm. I have reviewed my credit report and found an entry for a loan that I did not apply for or authorize. This entry is inaccurate and violates my rights under the Fair Credit Reporting Act. 
Details of the disputed entry are as follows : Creditor Name : XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX I have never initiated any application for a personal loan with Affirm, nor have I given permission for any such transaction. Therefore, I request that you investigate this matter promptly. Under the Fair Credit Reporting Act, I have the right to dispute inaccuracies in my credit report, and I am requesting that this entry be removed from my report. 
Please conduct your investigation and provide me with the results. I would appreciate a written response confirming the removal of this unauthorized entry from my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: MI

Complaint narrative:
i recently review a copy of my credit report and noticed that incorrect accounts on my report please remove these accounts from my report they are hurting my ability to to obtain credit

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 2024-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-20 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: TN

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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 2024-09-20 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: TN

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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 explanation
Consumer complaint received 2024-09-20 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 formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: KEYCORP
State: WA

Complaint narrative:
KeyBank in XXXX did not credit payments on the same day as in branch payments were made. Our payments processed and cleared our checking account the same day they were made on either the XXXX or XXXX of each month. We were assessed late fees on the XXXX of the month. 

Truth in Lending Regulation Z seems to be clear that the payment is to be credited the same day it is received by an in person presentation of the payment at a branch office.

1026.10 Payments ( 3 ) In-person payments on credit card accounts ( i ) General. Notwithstanding 1026.10 ( b ), payments on a credit card account under an open-end ( not home-secured ) consumer credit plan made in person at a branch or office of a card issuer that is a financial institution prior to the close of business of that branch or office shall be considered received on the date on which the consumer makes the payment. A card issuer that is a financial institution shall not impose a cut-off time earlier than the close of business for any such payments made in person at any branch or office of the card issuer at which such payments are accepted. Notwithstanding 1026.10 ( b ) ( 2 ) ( ii ), a card issuer may impose a cut-off time earlier than XXXX XXXX. for such payments, if the close of business of the branch or office is earlier than XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: IL

Complaint narrative:
This inquiry was made without my consent, and I did not engage with this lender on the given date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I went to Bank of America, XXXX XXXX XXXX XXXX, Fl to cash four checks. A total of {$640.00}. After the bank teller debited my {$500.00} personal check, he told me that I don't have enough in my checking account. He showed me a receipt of the available balance of {$280.00} for that day and suggested that I withdraw from my savings account. I withdrew {$600.00} from my savings account and told him to deposit my four checks back into my savings. The next day, Bank of America sent us an email asking if we authorized this check for {$500.00}. I went straight to Bank of America and talked to the manager, XXXX XXXX and showed her my receipts. At first she was very apologetic and told me that XXXX made a mistake. He should have given my money from my checking account instead of my savings. But when I asked her for my {$500.00} back, she accused me that some people got their money and want their money back. And that my receipts don't mean anything and she wanted them back. I left immediately and called the Fraud Center, they credited my checking account back for the {$500.00} after their research. The manager, XXXX found out and took my {$500.00} back without my permission and knowledge. Then I received a letter and some forms to notarize my fraud claim if I want my money back. I signed and returned my notarized fraud claim on XX/XX/year>. And as of today, they still haven't returned my stolen money. According to the public informations, I found out there are numerous complaints against this bank and their manager, XXXX XXXX. My personal experience of her, she is nothing 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 2024-09-20 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: TX

Complaint narrative:
They have not removed or deleted any of the identity credit reports found.

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 2024-09-20 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:
They have not removed or deleted any of the identity credit reports found.

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 2024-09-20 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX In accordance with the law, my rights have been violated. Late payment reports to your consumer report is illegal. In 15 U.S.C. 1681a : Definitions and Rules of Construction ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681 5 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions are not included in the report and the request to is to remove late payments from account # XXXX, # XXXX, and # XXXX in addition there are huge payment discrepancies between the 3 consumer reporting agencies.

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 2024-09-20 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX In accordance with the law, my rights have been violated. Late payment reports to your consumer report is illegal. In 15 U.S.C. 1681a : Definitions and Rules of Construction ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681 5 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions are not included in the report and the request to is to remove late payments from account # XXXX, # XXXX, and # XXXX in addition there are huge payment discrepancies between the 3 consumer reporting agencies.

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 2024-09-20 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: NC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My husband has passed away in XXXX XXXX. The only credit card company that contacted me was XXXX XXXX. They left me keep our account with them and I charged the funeral and dinner for everyone on that credit card. As soon as I returned home, I paid that card off. The other companies did not even have the decency to call or notify me. My husband had been ill for almost 2 years, and I have been managing all accounts for years and with my own invested money. Quite a few of the companies were informed of my husband 's death by Social Security. XXXX XXXX, XXXX XXXX  ( that just closed the account ) My credit and his was actually in the high XXXX 's and XXXX. There are closed accounts that I was just a user and now closed but it gives no reason why they have closed al of the accounts in his name which are making my credit look bad and decreasing my scores. I am in the process of moving and wanted those accounts to honor me the cards because we have had 24 years of excellent credit and why should I have to suffer for him passing. I feel those accounts should be removed from my credit if they are harming my score. We have been a customer of XXXX since XXXX. We started out with using our XXXX XXXX at the time we opened the account. in my name. Then they did away with XXXX  and added XXXX XXXX. We have been a credit card holder with them until now. I applied for the card when they told me they closed the account and have now received a letter stating they are unable to approve my application because my credit report shows insufficient credit history. I have taken care of our accounts for the past 15 years and our credit is excellent. Experian is the one that has done the damage to my credit. I do not understand how they have all this ability to hurt people by their comments. It is so wrong. And you can't even speak to someone to get it corrected. Now a widow and trying move back to my home state, I hope they have not ruined my chances for buying a home too. I feel they have too much to control our lives. 
Thank you for your time and help with this matter. 
Sincerely, 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 2024-09-20 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: NJ

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ) .And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: NY

Complaint narrative:
I recently reviewed my credit report and discovered several inaccuracies that do not accurately reflect my financial situation. This erroneous information is negatively impacting my credit score and limiting my ability to obtain credit. 

I have already disputed these accounts with each credit Bureau but have not received a satisfactory resolution. I am now seeking the CFPB 's assistance to re-investigate these inaccuracies and ensure they are removed from my credit report. 

Below is a list of the of inaccurate accounts I am asking you to re-investigate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your attention to this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: NY

Complaint narrative:
I recently reviewed my credit report and discovered several inaccuracies that do not accurately reflect my financial situation. This erroneous information is negatively impacting my credit score and limiting my ability to obtain credit. 

I have already disputed these accounts with each credit Bureau but have not received a satisfactory resolution. I am now seeking the CFPB 's assistance to re-investigate these inaccuracies and ensure they are removed from my credit report. 

Below is a list of the of inaccurate accounts I am asking you to re-investigate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your attention to this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: TN

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Formal Complaint Against Santander Consumer USA and XXXX XXXX XXXX for Violations of TILA, Deceptive Practices, and Excessive Interest Rates To Whom It May Concern : I am filing this complaint against Santander Consumer USA and XXXX XXXX XXXX for several violations regarding a vehicle purchase loan. The following legal issues are present : TILA Violations ( 15 U.S.C. 1601 et seq. ) : The APR and finance charge in my client 's loan agreement are not properly disclosed. The finance charge of {$19000.00} is excessive, and the interest rate of 15.49 % was not properly communicated, violating 15 U.S.C. 1638 ( a ). 
Excessive Interest Rate : The interest rate of 15.49 % approaches New Yorks usury cap of 16 %, suggesting predatory lending practices. 
Deceptive Acts ( XXXX XXXX XXXX ) : Hidden fees, such as a {$3600.00} service agreement, were not properly disclosed, violating New Yorks deceptive practices law. 
Improper Security Interest Transfer ( UCC 9-210 ) : The security interest in the vehicle was transferred to third parties without my clients knowledge or consent, violating UCC Article 9.

Company response to consumer: Closed with explanation