vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-03 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: SC

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report on August 2, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a .consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate of unverified information. ( A ) In general, after any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-08-03 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a .consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate of unverified information.

( A ) In general, after any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Someone requested refund and filed a case from PayPal. Me and my friend sold items to her. She had received all the items in XXXX. I have shown PayPal my evidence. But PayPal still closed the case in their favour which is unfair to me. I lost XXXX XXXX Also my friend lost XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: MO

Complaint narrative:
On XX/XX/XXXX of XXXX I reached out to the original lender about my payments and lease on the car with XXXX XXXX. I went to the location I purchased it from and spoke with the XXXX XXXX. He told me the location was closing and the new lender would reach out to me so I can resign my contract with them. After XXXX and a half years I never gotten any new contract from the new lender, lease, renegotiations about the car. I never received any letters or correspondence letting me know who they were or that they were taking over the company and lease. After almost XXXX years they took my car and still never sent any notifications about it. I never signed a lease with them and I would like this delete off of My credit. I don't know this lender and when I called the number on my credit report in XXXX of XXXX asking if they have my car, they told me not. This is against the law for lenders without contracts or lease to report on my credit or collect a debt. I'm sure the car was sold and they never updated that either. They are reporting the original amount of my car which was {$9900.00}. I had over a year worth of payments from XX/XX/XXXX up until the car had gotten taken and none of those payments got account for or taken off my balance with the new lender. Please help me get this deleted off my credit. Since this is against the fair credit act.

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 2024-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Indie Technology DBA Found
State: FL

Complaint narrative:
Frozen my account due too unusual activity preceded to send me emails saying g to verify my account which I did I emailed them on previous occasions and they never game response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX XXXX TransUnion refused to make nessary changes.on deadline date.. To make change on credit scores. My scores I have noticed been same areas for quit some time. Then when l questioned scores notice XXXX increased it only XXXX POINT showin on credit scores XXXX. 'TransUnion hasn't made changes. Over month? Credit scores change every 2 months XXXX XXXX  XXXX Noticed my credit sckres been same range for quit sometime.? Whom decided also to contact government on my behalf to XXXX things been handle. These companies have received my complaints still no changes. The Government needs to find another way to handle credit scores. 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 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX exsperian XXXX refused to make nessary changes.on deadline date.. To make change on credit scores. My scores I have noticed been same areas for quit some time. Then when l questioned scores notice XXXX increased it only XXXX POINT showin on credit scores Experian. XXXX hasn't made changes. Over month? Credit scores change every 2 months XXXX XXXX. XXXX Noticed my credit sckres been same range for quit sometime.? Whom decided also to contact government on my behalf to XXXX things been handle. These companies have received my complaints still no changes. The Government needs to find another way to handle credit scores. XXXX. XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MONEY SOURCE, INC., THE
State: IA

Complaint narrative:
I have had nothing but bad information or refusal to get information and have been lied to multiple times and was reported to the credit bureau for non payment inaccurately by this lender. Formally the money source now serv bank. I had lost my job due to covid and requested assistance and was sent thru the process of applying XXXX times by them. Each time they would deny it saying I didnt turn a certain piece of information etc etc. I started asking for supervisors to verify over the phone that they had received everything needed to which they would confirm and then later deny my request stating they hadnt received something. I was forced to record all conversations with them both voice and on paper with full names and dates and information related to call. They told me I was in foreclosure at one point and I was not. They have also been rude, harassed myself over the phone and refusal to give out information on my loan with them. I have XXXX years worth of documentation and this is just some of the examples of the lack of professional service as well as potentially illegal activity they have taken part in. It has caused a severe disruption and stress in my life to the point of causing XXXX XXXX  and worry for my family. They have tried and successfully worked towards foreclosure even when the VA had mandated no actions could be taken until a certain date due to XXXX. I have and still am currently being charged for numerous fees for their attorney and inspections towards foreclosure even tho I was forced to file bankruptcy to try to preserve my home. I once had an XXXX credit score until they inaccurately reported me as non payment for 13 months which severely hurt my credit score and effected my ability to do many things. I can not apply for a new lender because of this. I belive their actions are both intentional and illegal or unprofessional to say the least. I can provide all documentation of examples I have recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: VA

Complaint narrative:
Please remove these fraudulent accounts they are reporting inaccurately.

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 2024-08-03 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: NC

Complaint narrative:
I would like to dispute these negative accounts on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

Equifax : XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX EQUIFAX MORTGAGE SER Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$16000.00} XX/XX/XXXX XXXX XXXX XXXX  Account XXXX : XXXX {$4000.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX {$16000.00} XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$4000.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX  Account Number : XXXX {$16000.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$4000.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 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: IL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Ive requested method of verification in writing as well as provided documented mail from creditors verifying the collection account is not mines. The only responses Im getting are computer generated verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 00:00:00
Product: Credit 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: U.S. BANCORP
State: MA

Complaint narrative:
I LOST MY WALLET THAT INCLUDED MY PERSONAL INFORMATION, AND OTHER ITEMS AT THE END OF XX/XX/XXXX. I CHECKED MY CARD ACCOUNT AFTER REALIZING MY CARD WAS IN THE WALLET AND NOTICED SEVERAL TRANSACTIONS WERE MADE IN A FOREIGN COUNTRY. I CONTACTED THE CARD COMPANY TO REPORT THE LOST CARD AND THE UNAUTHORIZED TRANSACTIONS ( THERE WERE SEVERAL CHARGES TOTALING OVER {$1400.00} ). I FILED A DISPUTE/CLAIM AND WAS PROVIDED A PROVISIONAL CREDIT FOR THE TRANSACTIONS. FAST FORWARD TO TODAY, XX/XX/XXXX, I RECEIVED A LETTER IN THE MAIL STATING THEY WERE CLOSING MY CREDIT CARD ACCOUNT FOR SEVERAL INACCURATE REASONS RELATED TO THE CLAIM I FILED AND ON TOP OF THAT ARE TRYING TO CHARGE ME FOR ONE OF THE UNAUTHORIZED TRANSACTIONS THAT WERE MADE THAT AMOUNT TO APPROX. {$1200.00} ( THERE WERE MULTIPLE TRANSACTIONS, AND THE OTHERS WERE NOT BILLED AGAIN DESPITE ALL THE TRANSACTIONS HAPPENING AROUND THE SAME TIMEFRAME ). I CONTACTED CUSTOMER SERVICE TO INQUIRE IF THIS WAS A MISTAKE AND I KEPT GETTING THE RUN AROUND AND NO ONE WOULD PROVIDE ME WITH A STRAIGHT ANSWER. I HAVE NOT BEEN TO XXXX AND DO NOT KNOW ANYONE THERE, SO I FIND THIS UNACCEPTABLE AND DISRESPECTFUL THE WAY I AM BEING TREATED. I AM BEING ACCUSED AND PENALIZED BY HAVING MY ACCOUNT CLOSED. I WOULD REALLY APPRECIATE ANY ASSISTANCE THIS AGENCY CAN PROVIDE TO HELP RESOLVE THIS ISSUE AS SOON AS POSSIBLE IN A JUST AND HONEST WAY.

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 2024-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I hope all is well. Im not able to merge my Ally Auto account with my Ally Bank account. Now Im not able to see my Ally Auto account at all to make a payment or anything. Can you please assist me with merging the two accounts so I can make sure I can make a payment every month on my Auto Loan? Thank you very much for your time. Have a wonderful day!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: NC

Complaint narrative:
1.Equifax is illegally trying to change my name by attaching a " XXXX  '' after last name. 
2. My legal name is XXXX XXXX and recently started getting prescreened credit offers for XXXX XXXX XXXX. 
3.Traced issue back to Equifax and contacted Equifax by phone XX/XX/24, Equifax verified XXXX XXXX XXXX is on my account. 
4. At some point in time Equifax has CHANGED MY NAME on credit report by '' illegally adding " XXXX '' without authorization to my credit report 5. Equifax refused to tell me WHEN they made this ILLEGAL UNAUTHORIZED change. 
6.EQUIFAX REFUSES TO PUT MY LEGAL INFORMATION BACK on report EQUIFAX without HARASSMENT AND UNNESSARY EFFORT from me by requesting a copy of social security and photo ID. 
7. EQUIFAX PLACED " XXXX '' ON MY REPORT WITHOUT MY CONSENT, WITHOUT MY PHOTO ID, WITHOUT MY SOCIAL SECURITY CARD SO WHY DO I NEED TO BE TROUBLED TO PROVIDE THIS TO CORRECT MY INFORMATION TO THE WAY IT HAS ALWAYS BEEN. 
8. I NEED THIS CORRECTED AND EQUIFAX HELD ACCOUNTABLE FOR DOING THIS AND MAKE SURE AS AN AGENCY THEY NEVER DO IT AGAIN TO ME OR ANYONE ELSE.

I WILL SUE THEM AND YOU UNLESS FIXED IMMEDIATELY AND EVEN THEN I NEED COMPENSATION FOR THIS,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: IL

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. 

Account name : XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX  XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX has violated my rights. 
I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) ln generally. after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information. as appropriate, based on the results of the reinvestigation : and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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
Consumer complaint received 2024-08-03 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: VA

Complaint narrative:
Please remove these fraudulent accounts they are reporting inaccurately.

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 2024-08-03 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: VA

Complaint narrative:
Please remove these fraudulent accounts they are reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2024-08-03 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief