vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 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: NY

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-06-25 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: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining.

"

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 2024-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Received in the mail on XX/XX/XXXX a notification from Citi that they needed further information to continue my credit card application. The problem is I never applied for a credit card. I phoned Citi and they showed that the received an application at their citibank in XXXX XXXX XXXX XXXX The application was complete with my address and Social Security number. The application was stopped and they are forwarding an alert to the credit reporting agencies. They also recommended that I get in touch with you on this problem because of the social violation.

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 2024-06-24 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: OH

Complaint narrative:
My identity has been stolen you are herby on notice This notice is to inform you that you unlawfully reported fraudulent account that arose from identity theft that you did not verify as required by law on my consumer report. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 US 1681C-2- block of information resulting from identity theft. Except as otherwise provided in this section. a consumer reporting agency shall block the reporting of any information in the file of the consumer that the consumer identifies as information that resulted from an alleged identity theft no later then 4 business days after the date of receipt by such agency. You Equifax have aided this fraud by not verifying these accounts below..You are in violation of these laws below.

Aggravated Identity Theft pursuant to 18 U.S.C 1028A 15 USC 1651B permissible purpose of consumer report.

15 USC 1681 Fair Credit Reporting Act Accuracy And Fairness of the credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I do not have any issues with the XXXX major credit reporting agencies. However, there is a problem that was started upon my move to the United States in 2018. I had a new job XXXX XXXX XXXX XXXX XXXX XXXX  in Maryland. In order to start work I needed a social security number. The IRS gave me a temporary Tax ID to use in place of a social security card, and eventually I received my card. My tax ID number was XXXX. While I awaited my card from the Social Security Administration, I used the Tax ID number to buy a vehicle. That vehicle has been paid off. Accordingly, I need each credit bureau to delete my old Tax ID number and only maintain my social security number ending in XXXX. My bureaus are showing basically two social security account numbers, and I need the bureaus to merge my files under just my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The card was reported stolen or lost the purchases were not mine,

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 2024-06-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: ID

Complaint narrative:
On XX/XX/year>, I called Affirm and spoke with a supervisor about being a victim of a pay-to-work scheme from an online company based in Florida, that resulted in me being defrauded and coerced into a personal loan with Affirm, their " partner. '' I told the supervisor why the company is a scam and many others have been victims as well. Because of this, I requested a refund of the loan promptly. The supervisor told me it would take approximately 45 days. I can not afford to wait that long. Others who were scammed by the company in Florida ( XXXXXXXX XXXX XXXXXXXX ), got their loans cancelled within XXXX days. They should not be doing business with company at all, ever. I'd also like to note, on the day I was defrauded into the loan, I got an email from Affirm saying that Affirm 's partner bank can not approve the loan because they couldn't verify my identity based on the information they got, so I'm wondering how my loan got approved if my identity wasn't verified. Either Affirm was negligent and signed the loan anyways, or XXXXXXXX XXXX  XXXX lied to Affirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: MO

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-06-24 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I came into the branch two times in XX/XX/year> XXXX time to make a payment and the other to set up auto pay. For some reason, the teller did not set up the auto pay in XXXX. I was never given a document to sign and the bank is claiming it was just never set up Now come back in XXXX to set up auto pay and find out that my credit score dropped so I set up auto pay again. Theres a document theyre claiming that I signed, but it is not my signature but my banking details that this bank has forged documents on my behalf, I also feel this Bank is not willing to fix the issues because of the problems I have brought to them. I have raised many concerns to XXXX XXXX XXXX XXXX, and XXXX XXXX all three are standing by their decision and are not willing to fix the banking error on their end, my credit score dropped XXXX points because of this, and would like to see what I can do in regards to this, as I am not happy with their decision and unfairness in this matter. What worries me is that someone elses signature is on this document!!!! I have a copy of the document and all bankers involved. XXXX XXXX confirmed IT WAS NOT MY SIGNATURE ON THE DOCUMENT!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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.

Complaint narrative:
Dear Equifax, XXXX, XXXX Date : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX GA XXXX I am disputing the following account in my credit report. I have been living in XXXX since XXXX and the Account information that you have on record for the following accounts needs to be removed because these account do not belong to me. These accounts are identity theft XXXX XXXX XXXX : Reason- this account is not mine 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 Neither Account is mine XXXX XXXX XXXX Neither of these accounts are mine The Public Records section of my credit report needs to be cleaned up as well. Please remove the following addresses on my Credit Profile XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX, OK XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, CA XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Resident typeSingle family XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX NY XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident typeApartment complex XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident typeSingle family My date XXXX XXXX XXXX XXXX Thank You XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: LA

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Re : Letter to Remove Inaccurate information on credit report. I received a copy of my credit report and found the following item ( s ) to be in error : BANKRUPTCY REFERENCE # XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and deleted from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of your receipt of this letter and update my account as necessary. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months, including XXXX, Experian and XXXX. Thank you for your time and help in this matter. 
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 2024-06-24 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: LEXISNEXIS
State: HI

Complaint narrative:
Dear XXXX Team, Thank you for your response dated XX/XX/2024, regarding the dispute I submitted on XX/XX/2024, through the CFPB Complaint Portal. While I appreciate your efforts to review my concerns, I am writing to challenge the method of verification used in this instance and to request further clarification in accordance with the Fair Credit Reporting Act ( FCRA ). 

Firstly, I respectfully assert that the method of verification employed by your public record vendor may not be compliant with the stringent requirements outlined in the FCRA. Specifically, Section 611 ( a ) ( 1 ) ( A ) of the FCRA mandates that credit reporting agencies must conduct a reasonable investigation to verify the accuracy of disputed information. The method of verification must be thorough and involve direct communication with the source of the informationin this case, the public record custodian or the court itself. 

It appears that your process relied solely on the information provided by a third-party vendor, rather than directly verifying the information with the court where the bankruptcy was filed. This indirect approach may not meet the FCRA 's requirement for a reasonable investigation. Therefore, I request a detailed explanation of the exact steps taken during the verification process, including whether XXXX directly contacted the court that maintains the public record. 

Additionally, under Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the FCRA, I have the right to request a description of the procedure used to determine the accuracy and completeness of the information. Please provide me with a comprehensive description of the procedures and methods used by your public record vendor to verify the disputed bankruptcy information. 

Furthermore, the FCRA requires that credit reporting agencies maintain accurate and complete records. Given that the verification process appears to have been insufficient, I urge XXXX to re-investigate this matter by directly contacting the court where the bankruptcy record was filed to verify its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: OR

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 non-monetary relief
Consumer complaint received 2024-06-24 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: OR

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