vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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: TN

Complaint narrative:
On around XXXX I called TransUnion, XXXX and XXXX to ask them to delete the accounts on my credit report because I did not give either companies consent to display that information according to 15 USC 1681 I am entitled to a right of privacy.They each told me they couldn't remove those accounts.

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 2024-12-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dispute of Unauthorized Credit Inquiries. 
To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C . 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2024-12-28 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding a dispute I initiated with Transunion, which I submitted more than 30 days ago. As of the date of this letter, I have not received any response or resolution to my dispute. 

I sent my disputes out via priority mail on XX/XX/2024 via priority mail. USPS tracking states they were delivered on XX/XX/XXXX at XXXX XXXX 

I received a notice from Transunion that my investigation was in process on Monday XX/XX/XXXX, at XXXXXXXX XXXX that my investigation was 5 days in process.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, credit reporting agencies like XXXX are required to investigate any disputes within 30 days of receipt. This failure to respond to my dispute within the prescribed time frame is a direct violation of the FCRA, which mandates that credit reporting agencies must perform a reasonable investigation and report back to the consumer promptly. 

The items I disputed have not been verified, nor have they been removed or corrected. I am requesting your assistance in ensuring that XXXX adheres to the law and either provides the proper verification or deletes the disputed items from my credit report. If XXXX is unable to provide sufficient verification of these items, I expect them to be immediately removed, as required under the FCRA.

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 2024-12-28 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Good morning, I have many queries on my XXXX credit report from requests with different banks that I do not know and I want to report it as if my identity is being stolen and I want my reports to be deleted. I call the companies and I do not receive any confirmation that they will delete the queries and this is affecting 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 explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
Truck was repoed, however it was sold at a auction .I had gap on the truck so gap should have covered the rest. They are not telling me any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: LJ Ross Associates
State: NJ

Complaint narrative:
L J ROSS ASSOC Is reporting a debt of {$1000.00} with the original creditor being XXXX XXXX XXXX and light XXXX on all 3 credit reports on XXXX. I demand this be removed immediately. This debt does not belong to me. Fair credit reporting act mandates that improper and inaccurate information be removed immediately

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one closed my account because I made a payment with a card that had insufficient funds. They closed the account months ago but it is still reporting. I sent a certified letter asking for deletion.

According to FCRA Section 605B, it is illegal to report any info on my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: MAS FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
In XXXX of 2021 i was attending and event for a friends birthday and on the way out my purse with all my personal information and jewelry was snatched by someone inquiries have been appearing on my credit reports since.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony Bank provides white label credit card for various stores. Bank has started charging {$1.00} paper statement fees. According to the bank a letter was sent in XXXX and XX/XX/year> to inform customers of this new fee. I have not received such letter. Otherwise, would have acted then. Is this even legal? What if as a consumer I am not able to log in online to continuously keep checking statements and if there is a fraudulent activity on the card.

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 2024-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
I have opened an account with Robinhood to buy XXXX, with the goal to then transfer out to my cold storage device for better protectinon. Soon after buying XXXX XXXX Robinhood decided to " restrict '' my account- now I can't withdraw, trade or do anything with my funds on the app. 

Contacting support is impossible - I requested to chat multiple times, and the app shows " wait until the agent connects '', but the agent NEVER connects. 

There's a button on the app " Request a callback '' - but it DOES NOT work. You can't press the button. 

Robinhood sends me emails and notifications about them trying to call me- but I have received NO CALLS from Robinhood.

It is impossible to reach them over chat, over the phone or anything else. I'm beyond frustrated and I want this problem solved and my account unlocked. It's been months. 

This is the worst experience with financial institutions ever. I'm a regular crypto buyer, and I have never had problem with any other platforms, such as Coinbase for example.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There's an address on my report that I've never lived at.

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 2024-12-28 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: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-28 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: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, I have tried to unfreeze my credit report. I am trying to purchase a home. I was told there is an active fraud attribute in your report. I do not have the permission to access it. Please call this number to get help : XXXX. Since your file is under Fraud Victim Assistance Department ( FVAD ), we are not trained to access it XXXX XXXX  And no credit found. This is the third time I have reported this issue. TransUnion will remove it once I submit a complaint, and after that, they block me from obtaining my credit reports or any services. This has been ongoing since XXXX. I have filed several complaints with your agency, and the resolution is a constant temporary fix. I am trying to obtain accurate credit information to fix my credit and purchase a home. I want a permanent resolution as this credit reporting agency is reporting inaccurate reporting measures and I am being penalized with no access to my records.

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 2024-12-28 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: MI

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 sec 602a states " there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy '' backed by 15 USC 6801. As an aggrieved man pulling the credit file, I noticed that XXXX XXXX XXXX XXXX, account # XXXX entity id # XXXX its associates : " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX '' that's under colorado laws, has caused injury and violated XXXX XXXX XXXX consumer and privacy laws by reporting inaccurate, false and misleading information to XXXX, EQUIFAX, AND XXXX ; and has not sent proper notice and caused tangible and intangible injury to the point credit can not be extended for personal and household use. the multiple violations include : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Copywritten Character 4. Violation of The Privacy Act of 1974 5. Violation of the FTC 6. Any and all injuries tangible and intangible sustained due to lack of following proper procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: MI

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 sec 602a states " there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy '' backed by 15 USC 6801. As an aggrieved man pulling the credit file, I noticed that XXXX XXXX XXXX XXXX, account # XXXX entity id # XXXX its associates : " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX '' that's under colorado laws, has caused injury and violated XXXX XXXX XXXX consumer and privacy laws by reporting inaccurate, false and misleading information to EXPERIAN, XXXX, AND XXXX ; and has not sent proper notice and caused tangible and intangible injury to the point credit can not be extended for personal and household use. the multiple violations include : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Copywritten Character 4. Violation of The Privacy Act of 1974 5. Violation of the FTC 6. Any and all injuries tangible and intangible sustained due to lack of following proper procedure

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 2024-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: GA

Complaint narrative:
I was told my student loans were forgiven yet it keeps showing on my credit report as deferred. 
I reached out to get something in writing with no response and they keep sending my information to third party lenders who then have access to my information. I did not give permission for my information to be transferred from the original lender, nor have XXXX gotten the proper documentation for forgiveness. I keep getting a XXXX balance owed but no formal letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: IN

Complaint narrative:
I am a natural person, I am a living human being. I have the rights under 15 USC 1681. 
XXXX XXXX, and Transunion govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because accounts According to 15 USC 1681 : Ihave the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a natural person, I am a living human being. I have the rights under 15 USC 1681. 
Equifax XXXX, and XXXX govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because accounts According to 15 USC 1681 : Ihave the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts. XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the inclusion of my information on your credit report and to assert that I have not provided written consent for any entity to access or furnish my personal and credit information. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( b ), my permission must be obtained before any third party can access my credit file.

I do not recall giving written consent for any company to obtain or furnish my information, nor have I signed any documentation authorizing such access. According to the FCRA, all credit reporting agencies are required to only provide consumer information when proper authorization is given, and I have not provided such consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: GA

Complaint narrative:
Flagship Credit Acceptance hasnt reported a payment on my XXXX account since XX/XX/year>, hasnt been reporting my loan at all on XXXX, and says I paid my loan off on XXXX. They also have returned two of my payments the past two months, the first time saying I entered the wrong routing number Ive been using for years.

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 2024-12-28 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: Stellantis Financial Services US Corp.
State: MO

Complaint narrative:
I have multiple hard inquiries on my credit report some of which I do not recognize XXXX of them being from XXXXXXXX XXXX  and another one being from XXXX XXXX. After calling XXXX XXXX, and trying to dispute the inquiry, I was informed that I would not be able to since I do not have a formal account with them. I called XXXX XXXX back again to inform them and see if there was anything that we could work out and I was told to file a complaint for credit card fraud as it might be someone using my information to make an account with these banks.

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