vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV

Complaint narrative:
On or about XX/XX/ I submitted a single credit application directly to Nissan Motor Finance, the bank, with the mutual understanding that I was applying for credit directly through Nissan Motor Finance, and no one else.

Upon submitting the application, I noticed an inquiry alert on my profile confirming that they ran it only once.

After doing this, I called the Nissan dealership in XXXX XXXX, XXXX  to proceed with my direct application to Nissan Motor Finance *herein after referred to as " NMF '' ). 

While speaking with the rep, I explained how I already had an active application with NMF directly, and that I was ONLY interested in what I qualified for direct with NMF. I also explained that I DID NOT want any additional inquiries into my credit, as I had already submitted and app to NMF, and have a pre-qualification / Pre-approval from XXXX  XXXX. 

The representative assured me that he would not run my credit, so I gavce hom my name, email, phone number and date of birth.

About 15-20 minutes after that call, he caalled me back claiming he needed a bit more info to find me in the system. He asked for my social. I once again reminded him that I did not want him running my credit. He assured me he wasn't going to do that, he only needed the info to find my existing app / file. With the mutual understanding that he was not going to run my credit, I gave him the info he requested. 

Not even 10 minutes after disconnecting that call, I started receiving multiple alerts via email that my credit was being hit with HARD inquiries. 

Turns out, the representative lied to me. He never intended to help me fins my file, he used my information to run a credit check without my permission, which is FRAUD.

Luckily I was able to looked my credit profiles to prevent any further fraud.

I have made several attempts to contact a manager or someone in charge of the person responsible for committing this fraudulent credit check without my permission, but they don't seem to take me seriously, so Now I XXXX  file this complaint in hopes of a possible resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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:
RE : Dispute of Incorrect Information Due to Identity Theft and National Breach Request for Deletion/Blocking of inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) I just finished re-reviewing my Experian Credit Report and i noticed there is a name reporting on my credit report that is not mine. I've never ever in my life went by the name of XXXX XXXX. I've only went by the name of XXXX XXXX. 
This extra name reporting on my Experian Credit Report is tied to the following accounts listed below : XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX - Account Number : XXXX These accounts listed above are not my accounts and my personal information has been compromised from that XXXX XXXX. 

Legal Basis for My Dispute : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c - 2 ), I have the right to request the immediate blocking of information resulting from identity theft. Specifically, FCRA 605B provides that all credit reporting agencies must block any information that a consumer identifies as resulting from Identity Theft within four ( 4 ) business days of receiving appropriate documentation.

I look forward to a speedy resolution.

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-09-16 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: NJ

Complaint narrative:
Several inquiries on my credit file that were not authorized by me. Also addresses and employment that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2024-09-16 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: IL

Complaint narrative:
I have XXXX inquiries on my consumer report I did not authorized. A inquiry with XXXXXXXX XXXX XXXX XXXXXX/XX/2024 ) and XXXX ( XX/XX/2024 ). I reached out to these creditors and I have not receieved a response. Therefore, I must request your help in resolving this matter. Not only did I not authorize this but I never provided consent for these to be furnished to my consumer report. Please delete the following unauthorized inquiries. They are misleading and causing me to be denied credit. The inquiries are listed on XXXX, Transunion 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 non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I opened a wells fargo account. This was going to be my savings account that I wouid just put money into. I made around XXXX in deposits. My roommates ex friend stole my bank cards, my atm pins, account info and passwords as they were all in XXXX lockbox. As soon as I noticed the cards were gone I contacted wells fargo and canceled my card and told them about the fraud. I had no notification come up on my phone and within a day all my money was gone. I found out later he had hacked into our phones as well. They denied my claim and this was my hard earned money I was trying to save up. He has since disappeared and now I'm left with nothing in my bank account this all happened on XXXX and XXXX from what I believe. This is crazy I need my money back! Please help!

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 2024-09-16 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: VA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc.
State: LA

Complaint narrative:
On approximately XXXX XXXX, I called Moneykey CC Flow lending company in regards to my concerns of my loan. I asked them to explain to me why after making approximately {$550.00} to {$570.00} a month for the past nine months on a {$2900.00} dollar loan, why I still owe over XXXX dollars, this doesn't make any sense to me. The Moneykey employee replied that it's because they don't go by finance charges, they go how much you owe each month, her exact words were " we go by your monthly billing cycle '', and she further said that I am welcome to make additional payments in order to lower their fees. I told her that this is insane, you guys are charging over 100 percent interest on your loans, and at this rate I would never be able to pay off this loan. The Moneykey employee just replied " sorry, you can pay more to lower the amount. When I made the call I owed {$3200.00}, on a XXXX dollar loan, today it shows that I owe {$3200.00}. I was approved for a XXXX dollar loan on XX/XX/XXXX, and the money is automatically taken out of my checking account, and it varies from around XXXX dollars to as high as XXXX dollars. I have paid a total of {$3900.00} into this loan so far

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have serious problems with the continuous inconsistency of my name in the different credit bureaus, despite having sent my driver 's license where my name is seen, I still have more than 9 different names among the 3 credit groups.

On my Experian credit report, I have 6 different names, 2 wrong addresses, and the wrong employee position. 
On my XXXX credit report, I have 2 different names 1 Wrong address, and the wrong employee position. 
On my XXXX credit report, I have 1 wrong address, wrong phone number, and wrong employee position.

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 2024-09-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Scott Kroner PLC
State: VA

Complaint narrative:
The company is trying to sue for the full amount when Ive been paying on the debt. They have not sent me statements about what the current total is either. They simply submitted the summons for the full amount which is not right since I have been paying on it so the balance should be lower than what they submitted to court. Overall The paperwork shouldve never been submitted in the first place. I never received a notification nor a balance due statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX XXXX XXXX XXXXXXXX charged my debit card {$29.00}, without my authorization. 

Wells Fargo never resolved the claim. Reference number : XXXX They mailed me a computer generated letter with a decision but with no back up documents. I called to request these documents. They said 30 days to get these back up documents. How does it take that long, that is what I asked and they hung up on me. I had to call twice, just to get to a human in 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 2024-09-16 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: TX

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2024-09-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am not able to access my experian annual report. When I try to access it I keep getting the following massage : " Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report '' Your latest 3-bureau credit report is available. 
Refresh now '' I have sent proof of identification with my legal name and address to Experian and it is on their files. This issue is preventing me from getting credit. 
I would like Experian to just report accurately my personal information as FRS demands.

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 2024-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
Beginning in XXXX, my wife and I noticed multiple fraudulent charges on our checking account from multiple debit card transactions. We immediately reported them to our institution, USAA, and began the process of recovering the funds. Provisional credits were given to us, however all but one transaction was then taken back by USAA who claimed they were all legitimate transactions and offered no rationale for the findings. The sum total of this series of fraud was {$89.00}. Only XXXX transaction refund was maintained for {$2.00}. 

Later in XXXX we noted that there were XXXX fraudulent checks that cleared our account totaling {$370.00}. As soon as we saw them, we again contacted USAA to report the fraud. Also, seeing their fraud team 's inability to conduct a thorough investigation, we immediately uploaded on XXXX XX/XX/year> scanned copies of our signed passports as evidence showing that the signatures on the passports are markedly different than those signatures on the fraudulent checks. The bank then determined that XXXX of the checks for {$140.00} was legitimately fraud and then USAA sent us an affidavit for the second check to ensure that we in fact did not benefit from the {$230.00} check. This was signed, notarized and sent back to USAA who claims to have never received it despite me having proof of it being delivered by XXXX. Resultantly they have taken back the provisional refund of {$230.00} on XXXX XXXX without any communication to us. We found this out by examining our account history. This rescinding of the refund has cost us overdraft fees as a result.

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 2024-09-16 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: SC

Complaint narrative:
The following inquiries are not authorized 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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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. 
XXXXXXXX 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, U.S. BANKRUPTCY COURT : # XXXX has violated my rights. 

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 non-monetary relief