vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 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: NV

Complaint narrative:
Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX CARD Account Number : XXXX Date of Charge XXXX Amount : {$4300.00} I have previously disputed the accuracy of this charge off account with Transunion and provided XXXX that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information 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 2024-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Lendbuzz Inc.
State: CA

Complaint narrative:
Hello. I was scammed when buying a car for work. They lied to me about the price and forged my signature on the credit application with false information. I found a XXXX-speaking broker since I don't speak XXXX. He contacted the dealer and the lender. They all put false information on the application, forged my signature, sold me a car for XXXX XXXX more than the advertised price, the loan was issued on enslaving terms at 18 %, they took XXXX XXXX  in cash for issuing the loan. I have a pregnant  wife and two XXXX children. This was all our savings. This was all we had. The car was supposed to be our breadwinner if the advertised terms were met. Instead, it became a huge burden that can not be paid off. Also, the dealer did not provide me with a test drive. They sold a rusty car from the previous year for much more than the estimated value. I asked for a waiver of this car on the day of purchase, but was refused. I have all the evidence, all the negotiations and correspondence, but I do not have a lawyer who could help me. One lawyer initially said he would help me, but during the negotiations something went wrong, he sided with the defendants and said he would not work with me anymore. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: NV

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

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 2024-08-12 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: OH

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 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 2024-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: VT

Complaint narrative:
I apologize, but the options given in the previous pages did not exactly match my situation. 

I have a pre-existing mortgage with this bank. I decided to engage in a partial release of my property from the loan because I am engaging in a boundary line adjustment with my neighbors. I am selling a small portion of my property to my neighbors, so the bank must agree to release it from my loan. 

I submitted every single piece of paperwork the manager of the bank told me I needed to for this transaction on XXXX XXXX, 2024. The manager told me at that time the process would take 6-8 weeks. 

After several weeks of silence, I began calling the bank to speak with the manager for an update. He never returned my calls. I also emailed and received little to no response at all. Frustrated and concerned, I finally went into the bank to speak with the manager. I asked for his supervisor 's contact information and found out from her that 6.5 weeks after initially submitting my paperwork, the manager had not even submitted it to the relevant department. He gave me a bunch of excuses and behaved very unprofessionally before apologizing and promising to do better. 

The manager 's supervisor told him he had to start emailing me daily with an update and keep her copied on all correspondence. I began receiving daily emails from the manager that informed me there was no update and stating that he could not predict when I should expect to receive one. I found this type of communication further frustrating and asked to be put in contact with the department handling my paperwork. I was told that was not possible. I then asked to be put in touch with my bank manger 's supervisor 's supervisor in hopes to escalate the problem to someone who would actually do something. My bank manger 's supervisor responded with a XXXX number to the bank. I informed her that this struck me as a very smug response and said I hope that wasn't her intent. She never responded. The bank manager stopped including her on any correspondence, and I haven't heard a word from her since. 

After several months of waiting, the bank manager finally let me know that I needed to go back to my lawyer to have a minor amendment made to a document he drew up. I did this immediately and resubmitted it to my bank manager. He told me it should all be over soon. Then he got back to me on 3 more occasions saying that the same document needed further adjustments. 

I have been waiting for over 6 months for a service I was told would be complete in 6-8 weeks and there is no end in sight. I have been treated very unprofessionally and feel incredibly disrespected. I have had to beg this bank manager for updates

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE

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 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 2024-08-12 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: FL

Complaint narrative:
I am writing to formally dispute inaccuracies in my credit report that I recently obtained from your agency. Upon reviewing the report, I noticed that there are several errors related to names and addresses which do not correspond to my personal information. See the identity theft report attached with the list of incorrect names and addresses.

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 2024-08-12 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 am writing to formally dispute inaccuracies in my credit report that I recently obtained from your agency. Upon reviewing the report, I noticed that there are several errors related to names and addresses which do not correspond to my personal information. See the identity theft report attached with the list of incorrect names and addresses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I'm setting up to grant my XXXX  concerning the tested accounts on my credit report. On different occasions, I have raised the issue of mistakes in these records, and have constantly referred to that they be completely investigated. Dismissing my endeavors, I at this point can't get any goal or supportive activity. These stirred up records are genuinely harming my credit report and hindering my capacity to go on with a typical life. The hostile results of these mistakes have caused gigantic difficulties for me, and I'm left with no decision beside to fight for your help with changing what's happening quickly. I generously demand that you lead a wary evaluation concerning the determining of these tested records. It is major that the crucial advances are taken to restore and address my credit report immediately. With your assistance, I need to reestablish the accuracy and uprightness of my credit file so I could recover command over my monetary flourishing. I truly demand that you offer this matter your generally ludicrous idea and make a quick move. Your joint exertion and moving in settling this issue conveniently would be massively huge. Much appreciation to you right off the bat for your insight and help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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 saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by 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 2024-08-12 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: TN

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-12 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:
I'm writing to impart my uneasiness concerning the challenged records on my credit report. On various events, I have raised the issue of slip-ups in these records, and have dependably referenced that they be totally explored. Disregarding my undertakings, I as of now just can't get any objective or helpful action. These mixed up records are truly hurting my credit report and forestalling my ability to continue with a commonplace life. The unfriendly outcomes of these errors have caused huge challenges for me, and I'm left with no choice aside from to contend for your assistance with changing what's going on rapidly. I liberally request that you lead a cautious assessment concerning the specifying of all of these challenged records. It is fundamental that the fundamental advances are taken to revive and address my credit report right away. With your help, I want to restore the precision and uprightness of my credit archive so I could recuperate control over my financial thriving. I really request that you offer this matter your most outrageous thought and take a fast action. Your joint effort and moving in settling this issue expediently would be gigantically significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST UNITED BANK AND TRUST COMPANY
State: TX

Complaint narrative:
I haven't received the checking account bonus that I signed up for. It was supposed to be paid by XXXX according to the terms. I reached out 2 weekends ago and the rep said that she'd look into it & send a secure message, but there wasn't a response. I chatted with XXXX XXXX last week and he said that I didn't have a recurring direct deposit. That is not in the terms. The terms for the current offer and the offer that I applied for state, " You must also make Direct Deposits into the account by one or more deposits that, in the aggregate, are equal to or greater than {$1000.00} during at least one statement cycle during the first 90 days of the account opening. '' This section alone implies that it doesn't have to be more than one direct deposit. I think that their employees are confused about the terms. The first rep that I spoke to said that I had to have the account open for 90 days. However, the terms clearly state, " All bonuses will be paid to qualified customers no later than XX/XX/ 2024. '' Nonetheless, I still waited, even though it was due on XXXX. I hadn't heard back by XXXX. I chatted with XXXX XXXX, who said that I didn't meet the terms. He had also mentioned that I didn't qualify because I wasn't a new customer. I provided him with a transcript of a chat that he and I had just before I signed up for the promotion. I had chatted with the bank specifically to ask if my open business account would disqualify me for the promotion and his response was, " I am sorry no it will not disqualify you from that offer. " I have attached a screenshot of the offer terms, along with a transcript of my chat with XXXX XXXX regarding my open business checking account not disqualifying me from getting the personal checking account promotion. He said that he'd escalate this. I didn't hear back. I've reached out to XXXX XXXX XXXX multiple times about this and they've started ignoring me via chat. I manage a financial services site. I've talked to others who've also had the same experience with XXXX XXXX XXXX. XXXX XXXX XXXX is not honoring their agreement ; instead, they're either outright refusing to pay the promised bonus or they're extending the payout until XXXX or XXXX. Those are just some of the months that customers have given me, but we all signed up for the same promotion and used the same promotional code that was advertised on XXXX XXXX XXXX XXXX  site. This is deceptive or misleading advertising. They've also changed the terms on the site after the promotion ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation?

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

ACCOUNT : 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 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
EVERYTIME I OPEN MY CREDIT REPORT, THESE FRAUDULENT ACCOUNTS I'M SEEING ARE STRESSING ME AS THESE ARE NOT MINE AND DEFINITELY UNAUTHORIZE.

Company response to consumer: Closed with non-monetary relief