vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-05 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:
In my complaint, I am addressing the fraudulent accounts recently added to my credit report due to identity theft. These unauthorized accounts were discovered while I was in the process of purchasing a home, significantly impacting my ability to secure favorable financing terms. This conduct violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681g, which entitles consumers to access their credit reports and dispute inaccurate or fraudulent information. The inclusion of these accounts without my knowledge or consent has caused severe damage to my creditworthiness and jeopardized my financial goals. This conduct has caused me a lot of distress and financially harmed me with out-of-pocket costs and loss opportunities.

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 2024-04-05 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: Affirm Holdings, Inc
State: TN

Complaint narrative:
I check my credit at least 2 times a month if not more and I noticed there was an account called Affirm that had been opened in my name I contacted XXXX and disputed the said account And told them this needed to be removed from my credit report. And also contacted the company Affirm and told them this wasnt my account and to remove this from my credit report that I didnt open any account with them and never heard of their company and I disputed it with them I also requested they send me documentation verifying this debt, they didnt send anything to me and I have yet to receive anything from them. I disputed the account through both XXXX and Affirm. I also contacted my bank and closed my account so to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MN

Complaint narrative:
Someone closed my Citizens bank account XXXX fraudulently, using my information without my consent and transferred my money in the amount of XXXX to XXXX XXXX XXXX to an account. 
I called Citizens and they said they verified the information and I did not verify information and I do not have an XXXX Account. 
I called XXXX and spoke to a man named XXXX who could not give me any information about my account. The reference # for our conversation is XXXX. 
I am looking to find my money and get it back. 
I did not give anyone permission to use my information. 
My identity has been stolen in the past. I have let the local police know and I tried to submit an FTC report and it would not go through, Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Innovative Funding Services, L.L.C.
State: CO

Complaint narrative:
XX/XX/XXXX I was emailed a pre-approval through XXXX XXXX. Just glanced at potential offers through 2-3 companies. 

The company I chose to take the next step with was Tresl. In order to proceed they asked to run my credit and fill out a complete application which I did do did allow them to do. They then came back and said I was approved and asked me what loan term, interest rate and payment I would like to accept, They had about 6 different offers. I opted for about the same payment I was already making but a 9.5 % interest vs the 14 % I am at now which would have lowered my overall interest by almost {$6000.00}. I submitted financial documents, drivers license photo, current vehicle registration, at which point I was thanked and told my loan instructions/ documents for capital one would be sent. The next call I got was from a representative from Tresl  XXXX XXXX on XX/XX/2024 from phone number XXXX and email XXXX telling me he needed to qualify me. 

I want to make this very clear, up to this point and all the way to the end of the phone call we had I was not told he did not represent a direct lender. Nothing in anything I was sent or told said they were a company trying to still match me with Lenders. They represented themself and himself as the actual lender I was approved with. He did not tell me he was a representing multiple lenders. The following conversation was still under the guise they were the lender. This is a predatory lending tactic and 100 % unlawful. 

I explained I had already done this but I went along and answered more questions. Then I am told the actual rate would actually increase and if I wanted to lower my payment I would have to pay more in interest and take a longer loan out. First I did not care about my payment amount I only proceeded for a lower rate and second this company absolutely lied. At this point I expressed my frustration with the lying and getting me down this rabbit hole, at which point XXXX now says he was " sorry but he did not know at the start of the call what lenders would consider me '' It is at this point I realized without my permission I wasn't talking to the actual lender as they portrayed themselves and himself. 

I just got off the phone with XXXX, this is the first of several complaints I will be filing this afternoon as this is absolutely predatory lending and misleading. Now I have a credit inquiry on my report that I have to contend waiting on time for it to fall off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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:
This is my second notice of fraudulent accounts on my credit report. I never benefited from any of these accounts or any transaction from these accounts. Per the FCRA, these fraudulent items have to be blocked and deleted from my 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 2024-04-05 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/2023 was open fraudulently. Needs removed immediately

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 2024-04-05 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: IN

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> was open fraudulently. Needs removed immediately

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 2024-04-05 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:
I sent you a letter recently and you were required to enter a notice of dispute within 30 days of receipt to my accounts so that my creditors and anyone else pulling credit report will know that these items are being disputed by me. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe, all disputed accounts must be deleted from my credit report for violation. Also, there is inaccurate information reporting and you failed to conduct a proper investigation into these items. You instead sent a stall letter alleging that a third party was submitting on my behalf. I, XXXX XXXX am a natural person and not a third party. I am including a list of my disputed items along with the dispute letter, which is dated, and time stamped. Attached is my credit report showing that the account does not show a notice of dispute. Remove the following account from my credit report due to FCRA violation : 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 2024-04-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upstart Holdings, Inc.
State: WA

Complaint narrative:
I have provided value in form of Financial Security Instruments ; i.e., the Application form, Personal SSN, and copy of personal Bill of Exchange in form of utility bill. All of which are Security Financial Instruments in which they underwrite to then monetize and withhold that value in return from me. 

I applied for an extension of credit in the Sum Certain of XXXX. 

I have given multiple offers to reconsider and also my counter-offer to their denial and discrimination. Their constant refusal is leaving me damaged. 

While I do understand the company and bank have their own regulations, those regulations DO NOT supersede Government Regulations. Federal Law, House Joint Resolutions and United State Code Title 15 Chapter 41 sub chapter 4 all state the rules and regulations regulating Financial Institutions against this very type of discrimination and denying any consumer/original creditor the extension of our credits REGARDLESS of Any INFORMATION TAKEN FROM A CONSUMER CREDIT REPORT. 

It is against the law for ANY bank to loan " money '' since all credits originate from the consumer especially because there is no money of trade but only money of accounting. 

I have expressed many times my desire to want to work with them in GOOD FAITH and HONOR in exchanging Financial Instruments for the extension of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: MS

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 168 These companies has inquired about my credit on my credit report without my request to do so. 
XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired XX/XX/XXXXXXXX XXXX  Inquired XX/XX/XXXXXXXX XXXX XXXX Inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquire on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX INQUIRED ON XX/XX/XXXX 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 1681 ( 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 antedate 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 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 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have called Citibank a lot of times now regarding the reverse charges. I reported those reverse charges since XX/XX/year> and until now they have not taken any actions to fix them. And also I noticed that they posted so much reverse charges that I reported because they were all not made by me.

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 monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Today on XX/XX/24, I was supposed to close on a house. I transferred money over to one account two days ago so I would have the settlement statement amount available in one account ( cash settlement, with no financing ). 

Today, when I went to wire the money to the title company, I discovered that there was a {$500000.00} limit per wire transfer. I called a bank branch, Truist, to ascertain whether such limit applied to wire transfers initiated in the bank branch. They said it did not. 

So I went into my local Truist Bank branch at XXXX XXXX XXXX XXXX XXXX, Texas XXXX . I was told that the only person that do a wire transfer was the XXXX XXXX XXXX XXXX XXXX, and that he was with another client for the next hour. I explained that this was for the purchase of a home on the XXXX XXXX and I did not feel comfortable waiting an hour for him to initiate the transfer, given the time consideratons. I was told I should go to another branch. 

So that is what I did the closest branch on the way to my kids ' school for pick-up, at XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX I was told that only the branch manager could authorize the wire transfer and he was gone for the day. 

I then tried to withdraw the funds from my bank account for cash or a cashier 's check, and I was told that the " system was down '' and I was welcome to wait, but that regardless, they would close at XXXX XXXX. 

So I waited for about 20 minutes and asked repeatedly about what the status of the sysem reboot was and I was given conflicting messages. It became clear to me that there was no real expectation that the system would become available and I would be able to access my accounts before the bank closed, as the cashiers began counting their money in their tills. 

I left at XXXX when I was asked to leave. To be clear, I was unable to access monies that had been deposited in my account for several days, after trying 4 different ways to withdraw them- online, 2 wire transfers at 2 different bank branches and the through a cash withdrawal with the teller. 

It may have cost me our dream home. 

This is unacceptable and if the government doesn't regulate banks, then they will keep on taking advantage of customers because there are no consequences for them. I would have thought that having $ XXXX parked in cash in an account that does not pay interest would be sufficient motivation to provide the basic level of service, but apparently that is not the world we live in anymore. 

Please do something.

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 2024-04-05 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: MA

Complaint narrative:
Upon reviewing my credit report, I discovered multiple hard inquiries that I did not authorize. These inquiries XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX were made without my consent, which is a violation of my rights under the FCRA, FACTA, and FDCPA. Enclosed with this letter are copies of my credit report highlighting the unauthorized hard inquiries for your reference. I request that you conduct a thorough investigation into these unauthorized inquiries and remove them from my credit report immediately. The FCRA requires that credit bureaus investigate disputes regarding inaccurate or unauthorized information in a timely manner. Therefore, I request that you investigate these unauthorized hard inquiries and remove them from my credit report as soon as possible. Failure to comply with the FCRA, FACTA, and FDCPA may result in legal action. I trust that you will handle this matter with the urgency and seriousness it deserves. Please inform me of the results of your investigation and any actions taken.

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 2024-04-05 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: MS

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 168 These companies has inquired about my credit on my credit report without my request to do so. 
XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired XX/XX/XXXXXXXX XXXX  Inquired XX/XX/XXXXXXXX XXXX XXXX  Inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquire on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX INQUIRED ON XX/XX/XXXX 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 1681 ( 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 antedate 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 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 2024-04-05 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: MS

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 168 These companies has inquired about my credit on my credit report without my request to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 ( 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 antedate 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: MS

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 168 These companies has inquired about my credit on my credit report without my request to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 1681 ( 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 antedate 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 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