vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, 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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : 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 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 2023-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
Debt not owed does not belong 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 explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, 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:
I have attempted to resolve this matter with these credit reporting agencies for the past 6 months. Fraudulent accounts are still reporting on my credit and no physical proof has been provided verifying these accounts to be mine. My rights have been severely violated and my next steps are to take this case to federal courts for the misuse of my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
My account with XXXX XXXX XXXX was originally showing paid as agreed after a payment extension was granted to me and an additional payment was received. On XX/XX/11 my mortgage company pulled my credit report which showed paid as agreed. I am in the process of trying to buy a home which I was supposed to close on this month and now may not be able to. XXXX XXXX XXXX is now reporting to the bureaus that I was 90 days late for the months of XXXX and XXXX and it has removed my payment for XXXX that had been reporting current and is now not. 
Not only is it reporting inaccurately and is representing false information since I have NEVER been 90 days late, it is also showing I am passed due XXXX which is also a lie as that payment has been made and was never late. 
I am at risk of losing my mortgage approval and feel this is an injustice to me as the way they are reporting and their reporting practices are severely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
My account with XXXX XXXX XXXX was originally showing paid as agreed after a payment extension was granted to me and an additional payment was received. On XX/XX/11 my mortgage company pulled my credit report which showed paid as agreed. I am in the process of trying to buy a home which I was supposed to close on this month and now may not be able to. XXXX XXXX XXXX is now reporting to the bureaus that I was 90 days late for the months of XXXX and XXXX and it has removed my payment for XXXX that had been reporting current and is now not. 
Not only is it reporting inaccurately and is representing false information since I have NEVER been 90 days late, it is also showing I am passed due XXXX which is also a lie as that payment has been made and was never late. 
I am at risk of losing my mortgage approval and feel this is an injustice to me as the way they are reporting and their reporting practices are severely unfair.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, 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:
Un Authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, 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:
Un Authorized inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I received a new credit card, new account opened, in the mail without my consent from Bank Of America ( BOA ). I called BOA and inquired about the card they sent. I informed them that i closed out my account about a year to a year and a half ago. They confirmed that the old account was closed. I inquired about how it was, that I was issued a new card, with a new account without applying for a new card, and they did not have answer for me. I also asked the to confirm the last XXXX digit on file of the new account and they replied with XXXX, which matched the card they sent me. I asked about when the new card was issued, I believed they said XX/XX/2023. I asked that they close the account, since I did not apply for a new card/account. 

Will this affect my credit score, since there was a new account created by them and me closing it out shortly after the account was created? 

Thank you, 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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I enrolled and charged XXXX subscription serves to my American Express Blue Cash Card in XXXX and XXXX of XXXX. After using the services for a few weeks, I canceled all of them so they did not renew. After the merchants continued to charge me for the subscription I disputed the charges with American Express. The first charge was from XXXX XXXX on XX/XX/XXXX for the amount of {$32.00}. The second charge was from XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$21.00}. The third charge was from XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$19.00}. All XXXX disputes were resolved and closed in my favor because " The recurring transaction has been canceled ''. American Express also enrolled my in merchant block which I was told would prevent the merchants from charging this card again. Over the past XXXX  months I have been charged by the merchants above many times for varying amounts. On XX/XX/XXXX I recalled out to American Express to inquire why they allowed my account to be charged for a canceled subscription that had merchant block. The agent was oblivious to the issue and said that they can only dispute charges in the last XXXX days. I requested to have the amount closed, which the agent avoided. They said they can issue me a new card with different numbers. I agreed to the new card but one was never sent. The agent also did the merchant block again and was going to escalate the issue regarding the recurring charges. I followed up and there was no record of the escalation. I have lost thousands of dollars as a results of American Express failure to protect their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a California Employment Development Department debit card issued by Bank of America which has my XXXX claim funds on it. I have contacted Bank of America at least a dozen times since XX/XX/2023 when they told me they were mailing me a replacement card as mine would soon be expired. I never received a replacement card, even after requesting a second one, and have been promised by Bank of America on four different occasions that they would mail me a check for the balance of my account which is {$10000.00}. I went in to my local CA EDD office and they confirmed my address and that the money had been issued to my prepaid card. The most recent dates on which I was promised a check are XX/XX/2023 and XX/XX/2023. I spoke with Bank of America again today ( XX/XX/2023 ) and was told no check had been 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 monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I am writing to request the removal of inaccurate inquiries and fraudulent accounts from my credit report, which are hindering my ability to access credit. I kindly ask that you take immediate action to resolve this issue within four business days. 

The following inquiries are not associated with any active accounts that I have authorized : 1. XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX 2. XXXX XXXX - Inquired on XX/XX/XXXX 3. XXXX XXXX XXXX - Inquired on XX/XX/XXXX 4. XXXX XXXX XXXX XXXX- Inquired on XX/XX/XXXX 5. XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX 6. XXXX XXXX - Inquired on XX/XX/XXXX 7. XXXX XXXX - Inquired on XX/XX/XXXX 8. XXXX XXXX XXXX - Inquired on XX/XX/XXXX 9. XXXX XXXX - Inquired on XX/XX/XXXX 10. XXXX - Inquired on XX/XX/XXXX 11. XXXX XXXX XXXX - Inquired on XX/XX/XXXX 12. XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX 13.XXXX XXXX XXXX - XX/XX/XXXX 14. XXXX XXXX - XX/XX/XXXX I request that you promptly investigate these matters and take necessary action to remove the inaccurate inquiries and fraudulent accounts from my credit report. Kindly provide written confirmation of the actions taken and inform me of any further steps or documentation required from my end. 

I appreciate your urgent attention to this matter and your adherence to the Fair Credit Reporting Act ( FCRA ). I am prepared to take legal action if necessary to protect my rights. 

Thank you for your immediate assistance in resolving this issue. I look forward to a timely resolution and the removal of the inaccurate information from my credit report. 

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 2023-07-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
So in XXXX I have put my car in the shop, I contacted affirm because I thought I needed a rental car, the other party was XXXX, XXXX help me get a rental car from XXXXXXXX XXXX XXXX XXXX on the same day, wow I was in line getting ready to get the rental car, the mechanic shop had called me and told me that my car was fixed, so I walked up to the counter spoke to the lady at the counter for XXXX XXXX XXXX, and informed her that I would no longer be needing the rent a car because my car was fixed, but before I even reach the counter I also called a firm and XXXX and XXXX reservation to let them know that I no longer needed the car because my car was fixed, XXXX XXXXnformed me that they wasn't going to charge me and they didn't, XXXX kept giving me the runaround, affirm had told me that they wasn't going to charge me unless the merchant which was XXXX charge me, they agreed loan was {$500.00}, when I called The firm to dispute XXXX claim of me on them a whole {$500.00} affirm done started five or six different dispute in all of them was in favor of XXXX to charge me the full amount of {$500.00}, but the price went up to {$590.00}, and that is not what we agreed upon and even after the loan my taxes was already calculated and everything was already calculated and then they wanted to add in more money, I normally don't deal with XXXX because XXXX have ripped me off before, but a firm is supposed to protect us from companies like this and I'm being ripped off again, a product that I did not use I'm not getting credit for it for the days that I didn't use or my money back and I just paid for the one day that I took the car due to the XXXX XXXX  lady telling me to take the car for a day and return it back the following day, I turned around the car in at XXXX in the morning, but once again no credit has been given to me no no nothing has been given towards me towards my way, just me being told I have to pay XXXX, when our agreement was XXXX, and I don't understand why should I pay the full amount when I have not using the car only to take it to my house and back to the airport. I feel that this long became predatory because I tried to fix this problem with a firm and XXXX I kept getting hung up on even by supervisors and hire at management that's why I'm reaching out to your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, 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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting.

XXXXXXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXXXXXX, AL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, 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:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account. 
See the documents attached.

Company response to consumer: Closed with explanation