vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was notified a couple of months ago that my credit score had dropped about XXXX points due to an account, on which I had been an authorized user since 1973, being closed, thus my age of accounts took a huge hit. However this account was NOT closed, so where are the bureaus getting this information from? Even XXXX XXXX says that this account is still open. I would like this straightened out, but everyone just wants to throw their hands up.

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 2024-09-13 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: NY

Complaint narrative:
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. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I need to apply for a personal loan, and to proceed, I require the freeze on my credit report to be lifted so that the lender can access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
My Affirm debit card was compromised and I canceled my debit Affirm card after discovering this. 

Upon reviewing all my statements and Affirm account, I noticed that my card was used at various vendors, including XXXX, XXXX, and XXXX XXXX ( a total of {$640.00} ) Only the issue with XXXX was addressed and money was refunded to my account. The rest is still in the air waiting for resolutions and when I call and talk to the supervisor all I get is : " We are escalating your case, and you will have a confirmation within 4 to 6 business days ''. However, I've been waiting for more than 120 days to get the money that belongs to me. 

its clear that Affirm is not cooperating, and the special department handling my case is not resolving any issues. Even after escalating it with more than four supervisors ( XXXX, XXXX, etc. ), there has been no progress. 

Please find details of the breakdown for the pending money to be sent back to my personal checking account : XXXX XXXX XXXX XX/XX/XXXX : {$100.00} XXXX XXXX XX/XX/XXXX : {$76.00} XXXX XXXX XXXX : {$49.00} XXXX XXXX : {$110.00} ( case won XX/XX/XXXX, Affirm claims that they sent the money back to my checking account on XX/XX/XXXX ). 

After confirming that no money was refunded to my account, I contacted Affirm and provided all the bank statements to prove that the refund was never processed. 

I have attached the only communications received from Affirm but it's clear that this company is not cooperating and this is very unprofessional. 

Affirm took my money 10 days before my due date to pay the rent, and I was late with my payment because I didn't have the funds available. 
The worst part is that, thanks to affirm, I now have late fee to pay for {$500.00} towards my rent,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-09-13 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-09-13 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: TX

Complaint narrative:
I have made repeated efforts to address the issue of unauthorized inquiries on my consumer report, but to no avail. These inquiries are entirely unrelated to me and I am not accountable for them. Their presence has resulted in considerable emotional and financial strain. As an identity theft victim, I may have to resort to legal action if this matter is not properly resolved. These erroneous and fraudulent entries on my consumer report have obstructed my plans to purchase my ideal home and provide for my family 's necessities. The effect on my financial health has been profound. For your reference, I have enclosed a copy of my previous correspondence to the Federal Trade Commission ( FTC ) detailing this issue and seeking a resolution.

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 2024-09-13 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: MD

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from 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 2024-09-13 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: MD

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from 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 2024-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC
State: LA

Complaint narrative:
I entered into a partial claim after being unable to secure a loan modification to lower my payments following a XXXX-XXXX  XXXX  ( partial claim ). During the XXXX, my payment amount increased due to a rise in insurance costs, making the new payment amount too high for me to manage. As a result, I requested a loan modification, but the company informed me that my low interest rate disqualified me from a modification. Instead, they offered an additional partial claim under a trial period. 

The company informed me that I would need to make payments from XXXX through XXXX at an amount they set, and I complied. I maintained constant communication with the company, even when issues arose with payments, and all three payments were successfully applied on XX/XX/2024,XX/XX/2024 and XX/XX/2024. They then indicated that no payment would be needed in XXXX, and my first payment after the partial claim would be due in XXXX prior to the XXXX. 

Throughout this process, I spoke with a different representative on each call, resulting in a lack of consistency. The last representative I spoke with ( XXXX XXXX XXXX ) lacked empathy, understanding, and professionalism, which made the situation more difficult. Despite my full compliance, the company terminated my trial period about XXXX days before its scheduled end for no apparent reason, reported late payments to the credit bureaus, and threatened 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 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Back in XXXX  2024 made a dispute request against ( XXXX XXXX ) company for an inadequate job. Won that dispute. During this dispute the company ( XXXX XXXX  ) illegally charged my credit card a second time, I notified credit card ( citi cards ) immediately and they assured me they would handle it however, they did not and are now wanting me to pay this illegal charge. I do not owe this money. Citi Cards was wrong I sent paper work requested showing that i was charged twice for same service Sincerely 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 monetary relief
Consumer complaint received 2024-09-13 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: Security Credit Services, LLC
State: AL

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer 's rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX account # XXXX XX/XX/XXXX, XXXX XXXX account # XXXX XXXX XXXX XXXX, XXXX XXXX account # XXXX XX/XX/XXXX, XXXX XXXX account # XXXX XX/XX/XXXX has violated my rights 15 U.S.C 1681 section 602 A, state 's I have the right to privacy. 15 U.S.C 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written furnished an account without my written instruction. 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 and crimes which antedates the report by 7 year 's. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: FL

Complaint narrative:
I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! THESE ILLEGAL ACCOUNTS ALSO PASS THE STATUE OF REPORTING AND LIMITATION BEING THAT THEY ARE UNAUTHORIZED/ILLEGAL FRAUDULENT ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

XXXX XXXX {$31000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  {$8700.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$10000.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: NC

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-13 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-13 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: LA

Complaint narrative:
The issue is with XXXX ( credit reporting agency ) Called company for at least a month to resolve the internal/external issue with my credit union not being able to pull my credit report. The credit union continues to receive an error message. The company was contacted over 6, times and the requested documents were sent and received on XX/XX/2024 by XXXX. The representative spoken to continue to provide different answer with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: NC

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-13 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 have made repeated efforts to address the issue of unauthorized inquiries on my consumer report, but to no avail. These inquiries are entirely unrelated to me and I am not accountable for them. Their presence has resulted in considerable emotional and financial strain. As an identity theft victim, I may have to resort to legal action if this matter is not properly resolved. These erroneous and fraudulent entries on my consumer report have obstructed my plans to purchase my ideal home and provide for my family 's necessities. The effect on my financial health has been profound. For your reference, I have enclosed a copy of my previous correspondence to the Federal Trade Commission ( FTC ) detailing this issue and seeking a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: PA

Complaint narrative:
Violation of the PRIVACY ACT OF 1974 Violation of I.R.S PUBLICATION 4681 under canceled debt, charge off account is considered a certificate of indebtedness and it is considered as income and income should not be showing on my consumer 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 2024-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: PA

Complaint narrative:
Hello, I would like to file a report on the XXXX XXXX XXXX XXXX XXXX. I believe that they are trying to withhold funds from me. There was money paid to XXXX XXXX  and I never received my refund check. I should have got {$1000.00}. XXXX XXXX told me that he didnt receive the money and also told me that people from financial aid wouldnt talk to me about it which was a lie. They have a history of stealing money signing for people 's loans and getting loans in students ' names without permission. I also believe that they are comingling funds. Students who have received money said that they got a check from XXXX XXXX 's personal XXXX bank account and not a fountain of youth check. There are student that have never received there kits and theyre almost done with school as well. This has been going on for years according to my research. Im not the only student going through this its a nice amount of students. I hope you can investigate and help us. Here are the links that I found thanks in advance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-13 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: MD

Complaint narrative:
Hi TransUnion, I just received a copy of my credit report and I saw those inaccurate fraud accounts that shall delete from my credit report. 

I spoke to the fraud team and the manager told me that those XXXX XXXX XXXX XXXX SHALL DELETE AND HAS BEEN FLAGGED AS FRAUD BY 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 2024-09-13 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: MD

Complaint narrative:
Hi TransUnion, I just received a copy of my credit report and I saw those inaccurate fraud accounts that shall delete from my credit report. 

I spoke to the fraud team and the manager told me that those 3 XXXX XXXX XXXX SHALL DELETE AND HAS BEEN FLAGGED AS FRAUD BY 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