vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FC HoldCo LLC
State: AL

Complaint narrative:
In XXXX I purchased a vehicle with a loan through Flagship Credit Acceptance. I made my payments on time each month until XXXX of XXXX, even though the car started experiencing major mechanical issues in XXXX of XXXX. After the car finally broke down, I contacted Flagship to let them know that I would no longer be able to make payments the account, and requested a voluntary repossession of the vehicle, as I had to have the vehicle towed to an auto repair shop and needed to purchase a different vehicle to get back and forth to work. I made several attempts to mail the paperwork requesting the voluntary repossession to Flagship, but never received a response, and when I would call to ask they continually said they did not receive my paperwork. On XX/XX/XXXX both Flagship Credit and I were notified by the New York DMV that the lien in question was claimed by XXXX XXXX and XXXX under Section 184 of the Lien Law of the State of New York due to the tow never being paid for. I was told by the tow truck driver not to worry about paying for the tow as it would be charged to Flagship when they repossessed the vehicle, which never happened. I have received no attempts to contact me since this date. I recently contacted Flagship Credit Acceptance requesting paperwork saying that the issues was resolved since the statute of limitations for auto loan debt in the State of New York has passed, but XXXX informed that no such paperwork would be given unless I created a payment plan to pay back 50 % of the remaining balance of the loan with a lump sum payment, or 65 % of the loan through a 48 month payment plan.

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXXXXXX XXXX : {$310000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$770000.0XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX  XXXX Balance : {$3000.00XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX XXXX Balance : {$8400.00} XXXX XXXXXXXX Balance XXXX {$9900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX : {$80000.00} XXXX XXXX XXXX Balance : {$76000.00}

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 2024-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

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 2024-09-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$9300.00}

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 2024-09-03 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: IN

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2024-09-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I applied to do a remote job via XXXX XXXX. The job position is a XXXX XXXX. The job took out a loan in my name through AFFIRM. I told them I didn't want the loan and I asked Affirm to cancel it. They said to reach out to the merchant scaling with sales for a refund. The merchant refused to refund me and Affirm refuse to dispute it. 

On Monday XX/XX/XXXX, XXXX from scaling with sales reached out to me about the job. We then joined a XXXX  meeting with XXXX, XXXX and 1 other. During the call, the employees of scaling with sales told me I can work for them by XXXX XXXX  and they explain what I would be doing. They said my training would be covered with my commisions. When I successfully book an appointment then they will take a percentage out for training. 

What I understood was I will make the money first, and they will take a percentage out of my income and put it towards the training. During the XXXX  call I made it very clear I didn't want to spend any money upfront During this process. They assured Me it would be just a soft credit check and nothing more. 

On XX/XX/XXXX I get a email from Affirm saying that they have processed my order. I look into it and realized there was a XXXX loan taken out in my name. I called Affirm and spoke with someone. I asked if there was a loan on my account. They said yes. I told them I don't need a loan, I was working with people and they wanted to do a soft credit check. So I asked Affirm to cancel it. They said no because the money has been used. I said by who? They said a purchase was made to scaling with sales. I said I didn't buy anything from them. AFFIRM told me to reach out to merchant and request a refund. After reaching out to scaling with sales. They refused a refund. I called Affirm and told them that they refused and Affirm still won't cancel the loan until it's paid back Friday XX/XX/XXXX i I told scaling with sales employee I no longer want to be affiliated with them. And they need to refund Affirm. They refuse to do it saying their refund policy is I must take calls for them/ work for them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-09-03 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year>, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$2800.00}, XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX Balance :

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 2024-09-03 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year>, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX : {$0.00}, XXXX XXXX Balance : {$2800.00}, XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX Balance :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX  document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting 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 non-monetary relief
Consumer complaint received 2024-09-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting 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 non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
I opened this account with the promise that I would be receiving XXXX  % interest no matter what my balance would be. They lowered my interest rate to XXXX  % without any notice. I dont believe this is the way Banks should do business. 

My funds have been tied up in this account since XX/XX/year> and I have not been able to gain access to them at all due to, scheduled Maintenance on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-09-03 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: WA

Complaint narrative:
Several inquiries that were removed from my credit report months ago, some how appeared again. I have file several FTC Identity reports and which proved that they were not mine. Now all of them are back on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I will start off with I've been made a mutiny of and i have been told lies and been deceived by credit karma and this situation really needs to be closely looked at, XX/XX/XXXX XXXX acc # XXXX Beginning Balance XXXX XXXX deposits and other credits XXXX XXXX withdraws ( XXXX ) ending balance XXXX Withdraws From Credit Karma checking from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX # XXXX BEGIINNING BALANCE XXXX XXXX DEPOSITS AND OTHER CREDITS XXXX XXXX WITHDRAWS ( XXXX ) ENDING BALANCE ( XXXX ) WITHDRAWS FROM CREDIT KARMA CHECKING FROM XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX MY ACCOUNT NUMBER WAS CHANGED ON THE XXXX OF XXXX AND WAS FROZEN AS OF THE XXXX NO RECORD OF OTHER CLEARED DEPOSITS SO IN LIGHT OF THIS MY XXXX ACCOUNT WAS FLAGGED AND ALL THE FUNDS THEY CLAIMED WAS RETURNED TO XXXX WAS NOT IT RETURNED BACK TO CREDIT KARMA AND ON STATEMENT REFFERS TO RETURN OF WITHDRAW UNKNOWEN THIRD PARTY I HAD REPEATEDLY CONTACTED THEM ABOUT THIS SITUATION EVERY TIME MY DEPOST WOULD CLEAR IT WOULD BE WITHDRAWN IMIDIATELY I HAVE OVER 9 DIFFERANT CASE NUMBERS FROM ME CALLING ABOUT THIS I THEN CONTACTED XXXX AND THEY SAID XXXX XXXX CONTACTED THEM CONSTENLY ABOUT THE WITHDRAWS AND SAID THAT THE ACCOUNT WAS FROZEN SO THEY DID NOT HONOR THE RETURNS AND FROZE MY XXXX ACCOUNT I HAVE TO FIKE A SEPRATE COMPLAINT FOR MY XXXX XXXX  DEPOSITS THAT CREDIT KARMA WAS AGAIN DOING THE SAME PATTERN OF FRAUD I HAVE MORGATE BEHIND 2 MONTHS CAR REPOSSED BILLS AND NOT TO MENTION BARROWING MONEY AND ALL INCURRING INTREST BECUSE OF THIS OUTLAW FRAUDULANT COMPANY I DEMAND THAT THEY BE AUDITED AND FINES AT THE MAXIMUM EXTENT POSIBLE AND PUNISHABE BY LAW IIM NOW IN ABOUT TO BE IN FORECLOSURE AND YET HAVE BEEN TOLD TO FILE DISPUTES FOR FALSE MADE CLAIMS OF FRAUD THIS IS GOT TO BE THE ABSOLUTE MOST MOCHERY IVE EVER HEARD AND SEEN IUN MY LIFE THESE CROOKS HAVE TO BE SOUGHT AND PUNISHED IM BEYOND LIVID IM IN A FINANCIAL CRISIS AND THEY STILL HAVENT GIVEN ME MY PROVISONAL CREDIT FORF THIS AND YET TO BE TOLD OR EXPLANATION

Company response to consumer: Closed with explanation