vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-18 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 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 2024-04-18 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 
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 explanation
Consumer complaint received 2024-04-18 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: TX

Complaint narrative:
I noticed unauthorized accounts on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists I do not to consent to authorize nor benefit from the listed accounts and inquiries on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: IL

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on them, and the company proceeded without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: NC

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me XXXX  and XXXX XXXX  when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me XXXX  and XXXX XXXX  when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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 2024-04-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: KY

Complaint narrative:
I have a current loan through Upstart. When I switched banks, I no longer had any money going into the account that was on auto pay. I have attempted to reach out to Upstart via email several times as I am unable to log onto my account as I do not know the email address I have on my account. I have sent XXXX emails to Upstart over the course of several months. When I stopped getting a response on my XXXX email ( XXXX ), I emailed them from my other email ( XXXX ) where I immediately received a response. It has now been several months and I have not received any communication from Upstart. Because I do not know the email address I have on file, they refuse to help. I have offered to verify any information they would need including my name, DOB, SSN, address, and loan number and all they ever respond with is they can not verify me without using the email on file. Upstart is reporting my payment as 90 days late to the credit bureaus, stating I missed XXXX, XXXX, and XXXX payment when I can prove they have taken my payment for the months of XXXX, XXXX, XXXX, and XXXX. Since I have been denied access to my account and they have refused to help me resolve this issue, I have requested the balance be removed as my obligation and all communication has since seized with the company. I have filed a complaint several times with the XXXX that was closed due to upstart stating they reached out to me and they have yet to send me any communication whatsoever. I have requested several times through the XXXX  that upstart submit their communication though the complaint as proof it was sent and received, and have been met time and time again with no communication. I have attached my email threads with upstart, where they have been zero help. I have attached a screenshot showing my payment is several months late, and screenshots showing the payment has been deducted from my checking account on the due date every single month. I truly do not know how to rectify this situation when the company is refusing to help and my credit report is being negatively effected with several late payments reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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 noticed unauthorized accounts on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists I do not to consent to authorize nor benefit from the listed accounts and inquiries on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/year> - I receive my Transunion XXXX Report and Its still reporting inaccurate personal information. I had recently submitted a request to have my information updated back in XX/XX/year>. Transunion is reporting XXXX addresses that I dont receive mail at, and those addresses are non deliverable address to me. And I already submitted proof of my current address per my driver license. Also, Transunion as not remove XXXX of the phone numbers that been reported. I have made clear that those numbers are current and I have gave Transunion the only number that i have. And, Transunion is still reporting XXXX XXXX XXXX, and I have indicated that only source of income which is XXXX. Transunion is continue to report inaccurate information and refuses to remove them

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 2024-04-18 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: GA

Complaint narrative:
I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the XXXX XXXX ( XXXX XXXX XXXX ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my XXXX and Equifax credit reports, I have identified inaccurate late payments that needs reporting and correction through your company. Please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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 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 2024-04-18 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: OR

Complaint narrative:
As you can see by attached proof from XXXX XXXX, I've made XXXX payments on time over the last XXXX months and my current balance is reflected as XX/XX/2024 was XXXX... XXXX XXXX had an issue on their end and had to reset up plan in XXXX.. I've asked them multiple times to update my credit report as current and reflect current balance...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After reviewing my Experian and XXXX credit reports, I have identified inaccurate late payments that needs reporting and correction through your company. Please see attachments 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 2024-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Im unaware of this debt. I did not have an opportunity to dispute this debt. If you believe you gave me proper notification, please send me the certified mail receipt with my signature stating that I received this notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
XX/XX/year> {$11000.00} 15 usc 1692c law If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: GA

Complaint narrative:
I have contacted XXXX XXXX numerous times to resolve this matter and they havent responded for XXXX XXXX to cover the claim they gave my birthday items to the wrong house when I told them to stop the package I was in XXXX celebrating they lost it and years later Im still having to handle this matter empty handed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-04-18 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: FL

Complaint narrative:
Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.

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 2024-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
We applied to refinance my auto loan on my 2023 XXXX XXXX that was with Capital one, the offer to refinance was on their app when I signed on to pay my monthly payment. we applied and was approved and was very happy with the new apr. We then Signed all the documents and sent them back in, checking each time that My car was listed. ( It was with the correct vin # ) I signed on the pay my monthly payment and noticed my old loan was still showing and due! along with the new loan. Both for my 2023 XXXX XXXX. I investigated further and found that Capitol one paid off another auto that we have financed at our bank. We did not apply for that. Please help me get this resolved. Capitol one advised me to reapply with our old bank or Switch the information on the new loan to the correct auto. They then advised me, they could not refinance the 2023 XXXX although that's what we were approved for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: SC

Complaint narrative:
On XX/XX/24, I received my Transunion consumer report File # XXXX and it's still not addressing the violations. I DID NOT made a request for validating a debt. My request is that Transunion still reporting my transactions & experiences with XXXX. Which is in Clear violations Per 15 U.S. Code 1681a - Definitions ; rules of construction XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2024-04-18 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:
Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified some information that were not authorized. I'm a victim of Identity theft and this information is inaccurate. 

Please see attachments below

Company response to consumer: Closed with non-monetary relief