vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Repeatedly not able to pull my reports on annual credit report.com Ive gone through ordering it via phone system to only have it never show up either.

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 2024-05-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I purchased a service from a merchant on XXXX XXXX. The booking was confirmed. The Merchant missed the appointment and when I attempted to contact them to reschedule the appointment, she did not respond. I emailed her twice on XX/XX/year> and XXXX XXXX. I then contacted Affirm to file a dispute on XX/XX/year> and provided the email documentation. The case was opened on XX/XX/year> at XXXXXXXX XXXX. The case number is XXXX. There were multiple correspondence back and forth where I advised the company that I provided the evidentiary support. Services were not rendered yet, Affirm is saying I am responsible for the loan. I contacted affirm on multiple occasions via phone as well as multiple cases of escalation. I also filed multiple direct complaints which are case XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: LA

Complaint narrative:
First, according to the FCRA 605B ss ( 15 U.S.C. ss 1681c-2 ), it is illegal to report any information on my credit report without my permission. XXXX XXXX, division of XXXXXXXX XXXX XXXX continues to defame my name and my character, after I spent my hard-earned money to make a payment after countless harassment calls, letters, and derogatory remarks on my consumer credit reports. Despite your refusal to correct any records or remove any private information they are reporting without my permission, I am confident that you have violated many of my consumer rights. 
1. Copyright Infringement - See Record Filing Link : Record # : XXXX XXXX XXXX XXXXXXXX XXXX. Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) ( a ) Reporting income as debt.

( b ) You failed to report the account as paid for less 3. 16 CFR 313 4. Negligent Enhancement of Identity Fraud Every time you report inaccurate information, you leave consumers more susceptible to identity fraud 5. Defamation of Character and Embarrassment in the eyes of real Creditors 6. Consumer Financial Protection Bureau ( CFPB ) regulations There is no need continue communication or negotiations as I have done everything in my power to rectify this matter including sending letters, filing disputes with the credit bureaus, and even hiring credit advocates to assist me in correcting my files. 
My final correspondence to XXXX XXXX, A DIVISION OF XXXX XXXX XXXX, a notice to CEASE AND DESIST : XXXXXXXX XXXX is hereby ordered to Cease and Desist all activities including collection, third-party reporting, the selling of my private information, or any activity using the name XXXX XXXX, XXXX XXXX XXXX and any and all variations including misspellings. Any future activities will be subject to COPYRIGHT INFRINGEMENT.

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 2024-05-17 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: LA

Complaint narrative:
First, according to the FCRA 605B ss ( 15 U.S.C. ss 1681c-2 ), it is illegal to report any information on my credit report without my permission. XXXX XXXX, division of XXXXXXXX XXXX XXXX continues to defame my name and my character, after I spent my hard-earned money to make a payment after countless harassment calls, letters, and derogatory remarks on my consumer credit reports. Despite your refusal to correct any records or remove any private information they are reporting without my permission, I am confident that you have violated many of my consumer rights. 
1. Copyright Infringement - See Record Filing Link : Record # : XXXX XXXX XXXX XXXXXXXX XXXX. Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) ( a ) Reporting income as debt. 
( b ) You failed to report the account as paid for less 3. 16 CFR 313 4. Negligent Enhancement of Identity Fraud Every time you report inaccurate information, you leave consumers more susceptible to identity fraud 5. Defamation of Character and Embarrassment in the eyes of real Creditors 6. Consumer Financial Protection Bureau ( CFPB ) regulations There is no need continue communication or negotiations as I have done everything in my power to rectify this matter including sending letters, filing disputes with the credit bureaus, and even hiring credit advocates to assist me in correcting my files. 
My final correspondence to XXXXXXXX XXXX, A DIVISION OF XXXX XXXX XXXX a notice to CEASE AND DESIST : XXXX XXXX is hereby ordered to Cease and Desist all activities including collection, third-party reporting, the selling of my private information, or any activity using the name XXXX XXXX, XXXX XXXX XXXX and any and all variations including misspellings. Any future activities will be subject to COPYRIGHT INFRINGEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: LA

Complaint narrative:
First, according to the FCRA 605B ss ( 15 U.S.C. ss 1681c-2 ), it is illegal to report any information on my credit report without my permission. XXXX XXXX, division of XXXX XXXX  XXXX continues to defame my name and my character, after I spent my hard-earned money to make a payment after countless harassment calls, letters, and derogatory remarks on my consumer credit reports. Despite your refusal to correct any records or remove any private information they are reporting without my permission, I am confident that you have violated many of my consumer rights. 
1. Copyright Infringement - See Record Filing Link : Record # : XXXX XXXX XXXX XXXXXXXX XXXX. Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) ( a ) Reporting income as debt.

( b ) You failed to report the account as paid for less 3. 16 CFR 313 4. Negligent Enhancement of Identity Fraud Every time you report inaccurate information, you leave consumers more susceptible to identity fraud 5. Defamation of Character and Embarrassment in the eyes of real Creditors 6. Consumer Financial Protection Bureau ( CFPB ) regulations There is no need continue communication or negotiations as I have done everything in my power to rectify this matter including sending letters, filing disputes with the credit bureaus, and even hiring credit advocates to assist me in correcting my files. 
My final correspondence to XXXX XXXX, A DIVISION OF XXXX XXXX XXXX, a notice to XXXX XXXX XXXX : XXXX XXXX is hereby ordered to Cease and Desist all activities including collection, third-party reporting, the selling of my private information, or any activity using the name XXXX XXXX, XXXX XXXX XXXX and any and all variations including misspellings. Any future activities will be subject to COPYRIGHT INFRINGEMENT.

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 2024-05-17 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: NC

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

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 2024-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I opened a new account the First of XX/XX/scrub>XXXX XXXX. I set up direct deposit on XXXX XXXX XXXX I was supposed to receive a bonus of {$300.00} for direct deposit over {$5000.00} ( welcome bonus promotion ). 
I did not get any welcome bonus. 
I chated online and also called them but they never did the necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: MD

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 2024-05-17 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: MD

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
In XX/XX/XXXX I accepted a promotional offer from MNT Bank stating I would pay XXXX interest on any balance I transferred before XX/XX/XXXX. I proceeded to transfer about {$2600.00} to my credit card under this promotion. When I attempted to pay off the interest-bearing portion the bank stated they could not, separate or identify that dollar amount and I would still pay interest on any remaining balance which includes what I transferred. I believe not only was this misleading, but I am also not receiving the promised promotion of XXXX interest until XX/XX/XXXX. My ultimate concern is that this practice is done for everyone who accepts a balance, transfer promotion, ultimately deceiving credit card holders by charging interest on the balance transfer. I also believe that I should not be penalized for paying off my interest-bearing portion before I pay off my promotion.

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :. 
Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted "

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 2024-05-17 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
There are fraudulent inquiries on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-05-17 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: VA

Complaint narrative:
I saw an unfamiliar collection on my credit report and needed validation.

I mailed a letter to all 3 credit bureaus asking to verify this collection. They responded verified.

I mailed a letter to the 3rd party collection asking for validation of debt. They never responded. My question is how did the credit bureaus verify with them and i cant get a response back from my " CERTIFIED LETTER ''? The FDCPA states that they have to provide this information. FCRA states that the credit bureaus must provide the method of verification if requested. I asked them for that as well.

In the attachments you will see that the credit bureaus received my letter, per the updated status. Also, the certified mail to the collection agency.

PLEASE DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
XXXX XXXX Chase Bank XXXX XXXX : Discrepancy Regarding Business Credit Card on Personal Credit Report To Whom It May Concern, I am writing to address a serious issue related to my business account with Chase Bank. I opened a business account under my companys tax ID and name. During the account setup process, I was informed that my business was approved for a credit card specifically tied to the company. 

However, I recently discovered that this credit card account has appeared on my personal credit report. This is highly concerning because it was never intended to be associated with my personal credit history. I have yearly credit reports, and until now, Chase was never listed there. 

The sudden appearance of this credit card on my personal credit report has caused significant confusion and potential harm. It appears as though I have a personal credit card with Chase, which is not accurate. This false information could even be perceived as fraudulent. 

I kindly request that Chase Bank investigates this matter promptly and takes the necessary steps to remove the credit card account from my personal credit report. I believe this is a mistake, and it is negatively impacting my creditworthiness. 

Thank you for your attention to this matter. I hope for a swift resolution. Please feel free to contact me at XXXX if you require any further information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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:
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. 

Account Name : XX/XX/XXXX Account XXXX Account Name : XX/XX/XXXXAccount XXXX Account Name : XX/XX/XXXXAccount XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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