vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 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: MoneyLion Inc.
State: PA

Complaint narrative:
I am writing to request the immediate removal of these accounts from my credit file. I have been a victim an Identity Theft and I did not authorize anything pertained in this documented file. To correct my file i request that these items be deleted immediately. I have already reported this to the FTC and I'm enclosing documents of their affidavit. Take prompt action if you don't you will be breaking the law. 15 U.S. Code Section 1681c-2 a consumer reporting agency shall block the reporting of any information in this file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of the receipt. Please delete these items immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
I am writing to request the immediate removal of these accounts from my credit file. I have been a victim an Identity Theft and I did not authorize anything pertained in this documented file. To correct my file i request that these items be deleted immediately. I have already reported this to the FTC and I'm enclosing documents of their affidavit. Take prompt action if you don't you will be breaking the law. 15 U.S. Code Section 1681c-2 a consumer reporting agency shall block the reporting of any information in this file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of the receipt. Please delete these items immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: FL

Complaint narrative:
I Reviewed My Consumer Reports Recently and Found That My Rights Were Being Violated Under the FDCPA. There Were Debts On My Report That i Did Not Give Permissible Purpose to Furnish My Information, which is in violation of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: CA

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: CA

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 informationisinaccurate.

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 2024-07-02 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: NV

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: NV

Complaint narrative:
I recently realized that a closed account on my credit report is showing that I paid 30 days late on an auto loan for a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. 
Once I saw that, I disputed the mistake with Experian and received a response within 30 days from XXXX. They denied my request to fix their mistake and update my payment history to an on time payment. 
From that point I requested my payment history for that auto loan and also found a pay statement in my email for that exact timeframe showing proof that my payment was never late on XX/XX/XXXX. 
I should have never been reported late in the first place, and this mistake should have been corrected the first time I disputed with Experian. 
I also realized that this information is not being reported on XXXX, it is only being reported on Experian and 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 2024-07-02 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: OH

Complaint narrative:
I pulled my reports and seen some fraudulent hard inquiries on them, and I need them 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 2024-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Data Mortgage Inc.
State: GA

Complaint narrative:
In the month of XXXX I made several attempts to contact the company to request an application due to being in financial hardship. It took me weeks to get over to a live person. I had to reach out to their XXXX page and complain in order to have someone respond to me. This company continuously scheduled callbacks without my consent only for the automated callbacks to hang up and never transfer me to a live agent. I received an automatic email confirmation on XX/XX/year> that the company received my application for mortgage assistance ( the application was submitted in the month of XXXX ). I finally received another automated email a month and several weeks later on XX/XX/year> informing me that someone would be reaching out to me to inform me on the steps that were needed going forward. In between this time frame, i repeatedly called this company for assistance and got the run around or experienced excuses and call avoidance. I finally got a hold of a rep and was informed when my forbearance was approved not only would there not be any late fees but it would also be back dated due to the amount of months that it took me to get assistance. My application was submitted in XXXX and was not approved until 3 months later. Not only did this company not back date the forebearance but they were also provided inaccurate and misleading information when i was informed that there would not be any late reportings during the forebearance. 

This company has also issued inaccurate NSF fees on my account, and only removed some of the fees even after being provided proof that the funds were available on the dates that the funds tried to be deducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: FL

Complaint narrative:
So on XX/XX/XXXX I was charged {$800.00} as an act transaction that I did not authorize. I noticed it when I woke up and immediately called Discover to dispute. I called today for an update to said dispute and spoke to a XXXX who said they closed the dispute as valid one day later on XX/XX/XXXX and are trying to make me provide documentation proving somehow it wasnt authorized when documentation like that doesnt exist. This is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: IN

Complaint narrative:
If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: IN

Complaint narrative:
If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act

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 2024-07-02 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:
XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX 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 2024-07-02 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:
XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: IL

Complaint narrative:
THE INQUIRIES BELOW DO NOT BELONG TO ME!!! I DID NOT INQUIRE IN ANY OF THESE AUTO LOANS AT ANY OF THESE TIMES! PLEASE REMOVE FROM MY CREDIT REPORT IMMEDIATLY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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 was reviewing my consumer report and noticed some inaccuracies from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: IL

Complaint narrative:
THE INQUIRIES BELOW DO NOT BELONG TO ME!!! I DID NOT INQUIRE IN ANY OF THESE AUTO LOANS AT ANY OF THESE TIMES! PLEASE REMOVE FROM MY CREDIT REPORT IMMEDIATLY. 

XXXX XXXX XXXX ( Bank ) XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) 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 2024-07-02 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:
Consumer Name : XXXX XXXX XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number : XXXX, a collection account XXXX XXXX XXXX ( original creditor XXXX  XXXX for a fraudulent credit card ) on XX/XX/XXXX under the account number : XXXX, and a credit card collection account XXXXXXXX XXXX on XX/XX/XXXX under the account number : XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud. FTC identity theft report for all of the 3 mentioned accounts is in the attached document. I have also included a related local police report from XXXX XXXX POLICE DEPARTMENT whereas an individual used a fake ID with my information and their picture to fraudulently open a bank account in person, this is suspected to be the same individual who has stolen my identity with the aforementioned accounts. I have included a copy of my Drivers license and Social Security card to validate my real identity. All of the mentioned information is included in the attached PDF document.

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
Fourteenth Amendment Equal Protection and Other Rights Section 1 Rights All persons born or naturalized in the United States, and subject to the jurisdiction thereof, are citizens of the United States and of the State wherein they reside. No State shall make or enforce any law which shall abridge the privileges or immunities of citizens of the United States ; nor shall any State deprive any person of life, liberty, or property, without due process of law ; nor deny to any person within its jurisdiction the equal protection of the laws. 
Ally Financial omitted letter XXXX XXXX car was sold XX/XX/XXXX and never provided any proof of service. Ally Financial sold car while under Federal Law Suit in XXXX XXXX XXXXXXXX XXXX. 

XXXX XXXX XXXX XXXX. XXXX, XXXX Filed XX/XX/XXXX Page XXXX of 10 Violation o

f Seventh Amendment Jury Trial When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial.

SEC v. Jarkesy, 603 U.S. ___ ( 2024 )

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 2024-07-02 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: WA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewd a copy of my credit report and noticed i had a fradulent account onmy report. Please remove these maccounts from my report they are hurting my ability 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 non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Hi There, I have a credit card though " My Best Buy Credit Card ''. The minimum payment dueis based on the total amount that I own. I always pay the card on time and over the minimum due amount. 

The issue : the current account statement ( XX/XX/XXXX ) shows the interest Charged is {$590.00} from the principal {$640.00}. The Statement doesn't explain any detailed information.

I called the Account Inquiries on XX/XX/XXXX around XXXXXXXX XXXX ( mountain time ). The Customer Service said the interest will be charged from XXXX until now, which I already paid the Card on time. The Customer Service said I have to pay a totalbalance amount which is {$540.00} within XX/XX/XXXX to avoid the interestfees : $ XXXXNo that option I can do that through online. 

I also asked for more detailed information such as breakingdownthe interest charged fee : {$590.00}, The company policy, and the regulation which apply to this term. The Customer Service said No, she doesn't have the ability to provide us with that information and mentionedthe policy in the Website. I couldnot find those policies. 
I believe it might have some error system in there or if not, it isn't fair for the customer in this circumstance. 

Please investigate or any help would be so appreciated! 

Best Regard,

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 2024-07-02 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: NC

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

Company response to consumer: Closed with explanation