vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 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: TN

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

15 U S.C1681 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 or adverse items of information other than records of conviction of crimes which antidates the report by more than seven years.

15 U.S.C.1681s-2 ( A ) ( 1 ) a person should 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. 
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 XXXXXX/XX/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 2024-11-08 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. I have attached a copy of my FTC report and several identity documents to further identify myself.

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 2024-11-08 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. I have attached a copy of my FTC report and several identity documents to further identify myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am a account holder with BMO Harris Bank since XXXX. Since I have had a checking and savings account with BMO Harris I never had issues paying my bills using my checking account. Up until XX/XX/XXXX there have nothing but issues paying my bills using my checking account because of the very extensive account hold that is placed on my account, If I schedule a payment using my checking account on the seventh of the month it will take almost two weeks for the bank to verify my payment to my credit card company. Every month I balance my checking account to ensure the funds are available, credit card never gets paid it always come back as a returned payment. I contacted the bank several of times regarding this issue I was told that it an perennate internal account hold because there was suspected fraudulent activity on my checking account, I verified my information and other measures the bank offers to protect my account and I still have the internal account hold on my account. The last time I had spoke with the bank I was told that account hold was removed eventually the account hold was not removed because I am still experiencing issues with my bills getting paid on time. This is very inconvenient because my bills are not being paid on time.

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 2024-11-08 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: IN

Complaint narrative:
I filed a dispute with Experian to remove a an inaccurate report from XXXX about my student loan. On XX/XX/year>, my student loans that were managed by XXXX were discharged under PSLF. The dispute report stated that the reported account was accurate and up-to-date, which is a lie. 

I appealed this dispute and provided documentary evidence of my loan discharge letters from FSA and 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 2024-11-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear XXXX Account XXXX XXXX, I am writing to formally dispute the account numbered XXXX, which has been attributed to my name fraudulently. I did not open this account, and I believe I am a victim of identity theft. I request immediate investigation and removal of this account from my record, as it was opened and used without my authorization. 

To support my claim, I am including the following documentation : Copy of Government-Issued ID - To verify my identity.

Proof of Address - Showing my address at the time this account was allegedly created.

Police Report - Reporting the identity theft incident, including reference to this XXXX account. 
Please cease any collection efforts on this account, as I am not responsible for any charges associated with it. Additionally, if this account has been reported to any credit bureau, I request that XXXX immediately correct the information with each bureau and remove any derogatory remarks related to this fraudulent account. 

I would appreciate it if you could provide a confirmation of your investigation and the resolution regarding this matter. Please send your response to my contact information below. 

Thank you for your attention to this urgent matter. I look forward to resolving this dispute swiftly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: Solar Mosaic LLC
State: CA

Complaint narrative:
I cancelled in XXXX  because XXXX XXXX couldnt install the ground mount, solar panels and back up battery system we agreed upon ( about XXXX ). XXXX said no fees would be needed since they had stopped working on my project months before that. Mosaic needs to remove this from my credit, or reach out to freedom and confirm with them since they are not being helpful. XXXX website shows a repeated pattern of fraud on peoples credit and this is not a trustworthy company I would like to do business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: NY

Complaint narrative:
I am writing to express my serious concern regarding the security of my personal information, as I have noticed that inaccurate information and items continues to appear on my credit report that is not associated with me, and I am deeply troubled by the potential risk it poses for unauthorized access.

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 2024-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: DE

Complaint narrative:
Commencing on or around XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX and XXXX which involved me making deposits for a total amount of XXXX USD from my Gemini account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
Mariner Finance created a loan check for me in the amount of {$6000.00} and sent it through the mail. It is an unsolicited loan. I did not apply for a loan. I do not want a loan. I did not ask for a loan. I received an email on XX/XX/XXXX stating that I should have received the loan check and that upon signing the check and depositing it into a deposit account, I would have an enforceable loan with Mariner Finance. Notably, I have not received said check and Mariner can not trace said check to see if it has yet been cashed. Moreover, Mariner sent the check through regular US mail so it can not be traced through the mail system. 

I am troubled by this for many reasons : 1- this is an unsolicited loan. I did not apply for a loan, nor do I want a loan. 

2- This is ripe for fraud. A check arrives in the mail ( which has yet to arrive ) to an unsuspecting victim. Upon arrival, anyone who obtains the check can forge my signature and take the proceeds. 

3 - There is a lack of checks and balances- Sending a loan proceeds through the mail and only alerting the named recipient after the fact does not allow for the recipient to be on the lookout for this legally binding document. 

Mariner needs to stop this practice. Anyone could steal this check and forge my signature making me liable for something I do not want and would not have known about. Moreover, i have not received the document and check, so my fear about an unauthorized loan are real and timely. Add in that Mariner can not trace the document and can not state whether someone has yet tried to cash the check is very troubling. 

Saddling unsuspecting people with debt, on its face, appears to be a bad business practice and shpuld not be allowed. Sending this to the CFPB because it needs to be aware of Mariner 's shady business practices. Will also send a copy to my state 's attorney general 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: CA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, which has resulted in identity theft. This incident has led to unauthorized accounts and credit inquiries being reported under my name without my authorization. In accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent account and inquiries from my credit file. 
Fraudulent Account : 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 XXXXXX/XX/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 2024-11-08 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: Fleet Financial, Inc.
State: IN

Complaint narrative:
XXXX I lending contacted me for auto refinancing. The lady said she would do a soft credit pull and would take 24 hours to authorizing the auto refinance. since then I have received 4 hard inquirers on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 2024-11-08 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: GA

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-11-08 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:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-08 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: FL

Complaint narrative:
I am filing a formal dispute regarding incorrect information on my credit report provided by EXPERIAN. My credit report contains inaccurate late payment notations for the account XXXX  with account number XXXX which do not accurately reflect my true payment history. 
Issue Details 1. Reporting Errors : According to my records, payments for this account were made on time and as agreed. However, these late payment notations have negatively affected my credit score and, consequently, my ability to obtain fair and equitable financial terms. 
2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : The FCRA, specifically 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, requires that information in credit reports be accurate and complete. I have requested corrections to this inaccurate information without success. 
o Truth in Lending Act ( TILA ) : Under TILA, 15 U.S.C. 1637 ( b ), creditors must provide accurate and timely billing statements. The inaccuracy in reporting this account is a violation of this requirement. 
o Fair Credit Billing Act ( FCBA ) : According to the FCBA, 15 U.S.C. 1666 ( b ), creditors must adopt reasonable procedures to ensure that billing statements are sent at least 21 days before the due date. This requirement was not met in my case, contributing to the errors in my credit report. 
3. Previous Attempts to Resolve : I have made several attempts to resolve this issue directly with EXPERIAN by sending dispute letters and requesting corrections to this inaccurate information. To date, no effective action has been taken to correct the errors.

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 2024-11-08 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: FL

Complaint narrative:
I am filing a formal dispute regarding incorrect information on my credit report provided by EXPERIAN. My credit report contains inaccurate late payment notations for the account XXXX with account number XXXX which do not accurately reflect my true payment history. 
Issue Details 1. Reporting Errors : According to my records, payments for this account were made on time and as agreed. However, these late payment notations have negatively affected my credit score and, consequently, my ability to obtain fair and equitable financial terms. 
2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : The FCRA, specifically 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, requires that information in credit reports be accurate and complete. I have requested corrections to this inaccurate information without success. 
o Truth in Lending Act ( TILA ) : Under TILA, 15 U.S.C. 1637 ( b ), creditors must provide accurate and timely billing statements. The inaccuracy in reporting this account is a violation of this requirement. 
o Fair Credit Billing Act ( FCBA ) : According to the FCBA, 15 U.S.C. 1666 ( b ), creditors must adopt reasonable procedures to ensure that billing statements are sent at least 21 days before the due date. This requirement was not met in my case, contributing to the errors in my credit report. 
3. Previous Attempts to Resolve : I have made several attempts to resolve this issue directly with EXPERIAN by sending dispute letters and requesting corrections to this inaccurate information. To date, no effective action has been taken to correct the errors.

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