vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-03-04 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been oveXXXX XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-03-04 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: AE

Complaint narrative:
Upon diligent review of my credit file, I've noticed XXXX XXXX XXXX Account XXXX is illegally reporting to my credit file. According the IRS a charge off is taxable event and therefore is considered income and should not be reporting to my credit file. Furthermore, a charge is a certificate of indebtedness and should not be reporting to my credit file. We are NOT questioning or requesting account verification with the data furnisher. I, XXXX XXXX XXXX a federally protected consumer hereby REVOKE, CANCEL and OPT OUT of ANY and ALL authorizations I may have given  XXXX XXXX XXXX, written, unwritten, verbal and non-verbal per 15 usc 6802. As well as per 15 usc 1681 permissible purpose. Please note on the credit file XXXX XXXX continues to report despite selling the account to another company. Further furnishing of my non-public personal information is a continued violation of my Federally protected rights which will result in arbitration.

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 2024-03-04 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: AE

Complaint narrative:
Upon diligent review of my credit file, I've noticed XXXX XXXX XXXX Account XXXX is illegally reporting to my credit file. According the IRS a charge off is taxable event and therefore is considered income and should not be reporting to my credit file. Furthermore, a charge is a certificate of indebtedness and should not be reporting to my credit file. We are NOT questioning or requesting account verification with the data furnisher. I, XXXX XXXX XXXX a federally protected consumer hereby REVOKE, CANCEL and OPT OUT of ANY and ALL authorizations I may have given XXXX XXXX XXXX, written, unwritten, verbal and non-verbal per 15 usc 6802. As well as per 15 usc 1681 permissible purpose. Please note on the credit file XXXX XXXX continues to report despite selling the account to another company. Further furnishing of my non-public personal information is a continued violation of my Federally protected rights which will result in arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Sunbit, Inc.
State: OH

Complaint narrative:
Sunbit has a credit card that is focused on rebuilding and by invitation only. I have requested information to their invitation procedure, but they have failed to provide any further details. 

1. All loans have been paid and are current.

2. But, lending capacity has been significantly decreased.

3. Excessive interest rates at the highest apr.

4. Fail to report loans to all XXXX credit bureaus.

5. Never sent invitation for the credit card.

I believe that I am being racially discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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 strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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 2024-03-04 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: AE

Complaint narrative:
Greetings and Blessings from the XXXX XXXX XXXX. Per the FCRA as a federally protected consumer and child of XXXX. I am formally REVOKING, REMOVING and OPTING-OUT of any and all authorizations, I the consumer XXXX XXXX XXXX XXXX have given Opp Loan, written, unwritten, verbal and nonverbal per 15 usc 6802. Account : XXXX, XXXX XXXX has consistently violated my federally protected rights. Despite numerous requests and filing a FTC Fraud report. My demands as federally protected consumer have been ignored. Currently EXPERIAN, XXXX, XXXX, XXXX are in direct violation of my federally protected rights, by which I have numerous attempts of exercising my right to privacy and accurate data furnishing.

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 2024-03-04 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: NJ

Complaint narrative:
XXXX XX/XX/XXXX Dear Sir or Madam, This message is in reference to errors and inaccurate information on my credit report. Please send me a copy of the investigation that was conducted. 

I don't believe an investigation was done for what Iam disputing. I applied for an auto loan with XXXX XXXX XXXX and XXXX XXXX XXXX. ( Only 2 Should be on my credit report. ) I did not apply for auto loans or requests from other institutions. 

Nevertheless, As per XXXX website and the Consumer Financial Protection Bureau, See Auto Loans. Make no mistake, " Lenders can make requests, also know as inquiries to access your credit files. These requests will only count as a single inquiry if they were made within 14 to 45 days. Please remove the errors below, I will govern myself according. 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2024-03-04 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: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/XXXX I hired a web development company ( XXXX ) to build me a customized website for my business. The projected completion was 4- 6 weeks. After many delays and given the run around my website was still not completed after 6 months. A final project completion of XX/XX/XXXX was set and never met. I was very patient and cooperative through the entire process. After voicing my concerns and frustration to the company they still continued to delay. I immediately requested a refund that they refuse to issue. I then filed a dispute for the charges ( {$860.00} and {$2100.00} ) with Discover. After waiting for almost 30 days for the dispute process, Discover did not reverse the charges. I called Discover multiple times to explain the situation to 3 different supervisors. They kept telling me I need to get something in writing from the company that a refund is owed. I do not understand how that is possible when the company does not want to refund my money or complete my website. I submitted all my supporting documents showing that the complete website that I paid for was never delivered. So basically I am paying for something I never received. Despite all of this, Discover still refused to reverse the charges. I need Discover to take the fact that I NEVER received what I paid for and reverse these charges immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: NY

Complaint narrative:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

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 2024-03-04 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: NY

Complaint narrative:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have 2 Amex gift cards, one for {$25.00} and one for {$100.00}.

I tried to use the {$25.00} at a XXXX  gas station. It was denied when I put in my zip code at the pump. I took it inside to pay and it was denied there too so I paid for my gas with a different payment method. To be clear, at the gas pump there was no {$25.00} available to use, so in order to get the gas, I used my debit card. The next day I checked the balance on that card and it was XXXX with a payment of {$25.00} to XXXX showing!, Now I was trying to register the {$100.00} card so that I can add a zip code to hopefully make using it easier. Theres no way to do that, so I give up. 

I give up. I would like my {$120.00} back. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-04 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 strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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 2024-03-04 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 want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts 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 2024-03-04 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 want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: CT

Complaint narrative:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: VA

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. 


I told Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX Account : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CarMax, Inc.
State: SC

Complaint narrative:
Subject : Letter of Intent to Recover Loss Under 12 CFR 1002 and CFPB Regulations I am writing to express my intent to recover losses incurred due to the, cancellation, or otherwise adverse actions taken in relation to accessing credit, pursuant to the provisions outlined in the Consumer Financial Protection Bureau ( CFPB ) regulations and 12 CFR 1002, among others.

As you are aware, 12 CFR 1002, known as Regulation B, is issued by the Bureau of Consumer Financial Protection ( Bureau ) to promote the availability of credit to all creditworthy applicants without discrimination based on various protected factors. It is my firm belief that recent events involving the denial or termination of credit access have violated these regulations and denied me the right to fair credit. 

In accordance with these regulations, I hereby request the following : 1. Provision of Forms C-1 through C-10 : I request that your organization provide the necessary forms, as mandated by regulations, in any termination, cancellation, or other actions taken regarding access to credit or termination of any account.

2. Disclosure of Reasons for Denial or Termination : I seek a detailed explanation for the denial, cancellation, or adverse action taken against my access to credit. It is imperative that any bias decisions or discriminatory practices be identified and addressed accordingly.

3. Settlement of Losses : I admit to experiencing financial losses as a result of these adverse actions, which I estimate at {$33000.00} or more. I am willing to engage in settlement negotiations to resolve this matter amicably and promptly.

4. Access to Original Instruments : Furthermore, I request access to the original instruments, whether digital or handwritten, pertaining to my credit applications or accounts. This includes any special, anomalous, conditional, or anomalous endorsements that may have been established. 
I trust that your organization will handle this matter with the utmost seriousness and compliance with applicable regulations. It is essential to uphold the principles of fair credit and nondiscrimination to ensure equal access to financial opportunities for all individuals. 

Please acknowledge receipt of this letter at your earliest convenience and provide a timeline for addressing the outlined requests. Should you require any further information or clarification, please do not hesitate to contact me directly at the provided contact information. 

Thank you for your attention to this matter. I look forward to a swift resolution and the restoration of my rights to fair credit access. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: PA

Complaint narrative:
I have reached out to Experian on multiple occasions regarding inaccurate reporting my credit report. They are reporting multiple violations within the FCRA and have done NOTHING to correct the issues. 

See attached documents below.

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 2024-03-04 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: PA

Complaint narrative:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: PA

Complaint narrative:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.

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