vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-26 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: NE

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: NY

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: OH

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

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 2024-04-25 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: CA

Complaint narrative:
This is not an error. I am sending my formal notice that you are in violation for reporting these inaccurate items on my credit report. My auto insurance rates are very high because of this error.

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 2024-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank closed my account on Thursday XXXX XXXX  XX/XX/2024. With absolutely no adequate explanation why. 
Citibank security team says I violated their terms and theyll no longer do business with me. And then in total disregard will hang up when I ask for more information I honestly have no idea what happened and Citibank plans to send me a check in 30 - 60 days, In abject disregard and disservice. I need funds including rent money as the closure was abrupt.

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 2024-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
In XX/XX/XXXX, The car dealer Twin Auto in XXXX did not inform me about the car 's ( XXXX XXXX XXXX ) conditions, maintenance and it's true book value when they sold it to me. They have misinformed and disinformed me and made me sign papers without explanations. They also added additional products that I did not request. So at the XXXX dollar book value car was sold to me with a near XXXX  % interest rate at a XXXX USD loan. 
The loan company Ally Finance accepted this invalid load application that uses an inflated price. Now I can not refinance the car because the LTV ( Loan to Value ) is negative. I communicated with both companies and even XXXX to find a way to resolve this unfair and deceptive business behavior. I felt vulnerable and abused. 
My attempt to enjoy purchasing or refinancing a car with my perfect credit has now turned into a deep frustrating experience. I do not know what to trust. The only choice I have is to file a complaint.

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 2024-04-25 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: FL

Complaint narrative:
I always pay on time ; I am sure of this. However, what I am not sure about is why this company is reporting me as late in certain months, which should not occur. According to USC 1666b, any billing error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I pulled my credit report and noticed that there are items that are not right. 
I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2021 Balance : XXXX Im questioning the accuracy of this item on my report. Please verify this information or remove it

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 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: WI

Complaint narrative:
I have consistently made on-time payments, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or else they will owe me {$1000.00} for each account reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Original Creditor sold debt to XXXX  party. 
Amount XXXX XXXX XXXX,2024 Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX my XXXX XXXX XXXX was stolen, the insurance company deemed it a total loss because the vehicle was never recovered. I continued to make my car payment to satisfy the terms of the loan to GM FINANCIAL. The XXXX XXXX XXXX ( customer service in Total Loss ) told me that if the account is late XXXX  days OR more that's when they report to the credit bureaus. They also informed me that the payment has to be made before the XXXX days time frame and before XXXX central standard time. I called GM FINANCIAL on XX/XX/XXXX and i spoke with the XXXX XXXX XXXX XXXX XXXX XXXX, the representative assured me if i made payment by the XXXX of XXXX I would be in good standing and it would not report to the credit bureau. On XX/XX/XXXX I called them back before I made my payment and the Customer service representative told me that my account showed XXXX  day past due and yet again assured me as long as I made my payment on the that day, it would not report as XXXX  days past due to the credit bureau. She in fact assured me of this, so i made my payment on that date ( XX/XX/XXXX ) rite after i got off the phone with her. I made my payment before the XXXX days. Weeks later I got a notification sent to my email that my credit score took a dramatic hit of XXXX points. I immediately contacted them at Gm financial and I told them I paid before the XXXX days and the representative assured me that it wouldn't affect my score and they even had record of the representative i talked to that day because she made a note of it in the system. I asked them for that documentation and they told me they couldn't give it to me. I have been calling and calling and everyone there is giving me the run around there and I just want them to remove it from my report because they gave me the wrong information and if i was given to correct information i wouldn't be in this situation i would have paid it the first day I called and spoke to them on the XXXX of XXXX. I feel like its unfair because I trusted them and they failed me as the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Zip Co US Inc.
State: MD

Complaint narrative:
I have been a loyal and faithful customer of Zip/QuadPay for many years. Recently, I began the process of switching my payment methods from my debit cards to my credit cards. In this process, I believe my account was locked with Zip. I contacted their customer service to try to resolve this and do whatever security verification was needed of me, but I was told there was no time frame to unlock my account and I would just have to wait for an email. This is unacceptable. I have current, active payment plans with Zip which I need to be able to log in and manage, change payment dates/methods, etc. 

I had a similar problem with Zip a couple of years ago where my account was incorrectly placed on a security hold, and I had to file a CFPB complaint to resolve. At that time, I was told that if a hold was going to be placed on my account in the future, I would be contacted by the company and have the opportunity to promptly verify my info and resolve it. I am sad that has not happened and I am dealing with an almost identical issue years later. 

The phone number associated with my Zip account is XXXX and the email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
on XXXX, 2022, Peter Robert associates ( agency ) reported a debt collection in my Credit report, but I never had a contract with them. the original creditor was XXXX XXXX. and they violated my rights selling my account without my consent. I never received any information about that. I am requesting that this debt collection be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: GA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I consistently make on-time payments, and I am confident about this. However, I am uncertain about why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.

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 2024-04-26 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: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. 

TransUnion : XXXX XXXX XXXX account number 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 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OPORTUN FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had been a client for quite some years with Oportun. I had Automatic payment enabled. All of sudden I started seeing on my bank statement transaction with Merchant name XXXX XXXX. I have planet fitness subscription but they actually label it. After receiving an email for payment not received, I contacted billing department since I have had automatic payment set up. My bank had put a stop payment on XXXX XXXX since they also thought it was a fraudulent transaction. I was supposed to get a call back to explain the issue and to resolve it. I did not receive any calls or emails or voicemail. Saw on my credit report that I have late payment showing. Also they had my account under review since XX/XX/year> and they decided to close it after their review in XXXX. They did not let me know the reason why my account was under review. They did not provide the results of their review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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:
It's my understanding that FCRA 605B necessitates the deletion of any incorrect accounts from my credit report. Could you review the paperwork, please? Several listed accounts display inaccuracies in reporting, with incorrect amounts and dates.

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 2024-04-26 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: PA

Complaint narrative:
I request the removal of these inquiries. I have no knowledge of them, and the company acted without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: FL

Complaint narrative:
FCRA 605B stipulates the removal of any erroneous accounts from my credit report. Would you please review the documents? Several listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrect item reported on my credit file.

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 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

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