vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
A surprising entry for me to find as an inquiry of Concora Credit for a Destiny Credit Card application is appearing on my XXXX credit report. I do not recall having initiated this inquiry. This inquiry is absent from my XXXX and XXXX reports, thus making me think that perhaps a mistake has occurred. I ask that this error be rectified immediately by Concora Credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: NV

Complaint narrative:
Koalafi is charging for my car repairs including saying that they are renting and leasing my own car for car repairs? Can they tack on rental AND lease charging for car parts? this does not make since!? 

Date of transaction : XX/XX/XXXX Amounts being charged : XXXX XXXX cost @ XXXX XXXX XXXX # XXXX : {$3500.00} within XXXX mo. or falter to Koalafi lease-to-own total Charges : {$650.00} per mo. for a rental / lease Koalafi Total Ownership Charges : {$7900.00} in XXXX RENTAL payments Koalafi charging a minimum of {$1800.00} plus {$49.00} ( and Paid ) initial payment I'v contacted this company on XXXX XXXX, XXXX, XX/XX/XXXX, & XXXX via phone and email to make some kind of arrangement to be denied after getting a email from them to call and make arrangements! I am at my wits end with this company. 
Most of the reps were not able or refused to help me. They state that they can't or won't provide documents that I requested. I asked for my initial application proving I am credit worthy, my income verification and how much I am approved for and they will NOT provide this information stating they don't have ACCESS to that information .... 
After speaking to a Supervisor ( I'm told ) that they will NOT revise this contract, even though I'm on a fixed income. 

I ask how did they determination how much am I approved for and they could not or will not give me this information! They stopped talking to me and said that if I don't comply, I am to remove my car parts and return them the car repair place or they will repo my car in XXXX for parts! I DON'T UNDERSTAND!! 

Please see contract that I had NO opportunity to view before signing! I had to wait until I got home to see it. Once I saw the terms, I was shocked! I don't understand. I've spoken to the company. Their charging cost of rental of {$4400.00} my car! 

Please help, this company is a Predatory actions to acuire property! 

I Thank You in advance, XXXX XXXX XXXX can the charge me for car parts in excess of the purchase price?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year> at XXXX, I received a mobile alert on my phone from Citibank regarding my credit card account. The message on my phone states : Free Msg Citi card Did you attempt {$260.00} at XXXX # XXXX on XXXX? XXXX, XXXX. I immediately responded XXXX. I log online to my account and discovered another transaction that I did not make was made on the same day at XXXX XXXX for {$46.00}. I spoke with XXXX XXXX ( not sure of the name ) and I informed her that neither of those transactions were mine. I also informed her that I never lost my card or loan my card to anyone. She stated the reason we contacted you was because these transactions were suspicious. She further states we can close this account and send you another credit card. She also said due to the suspicious activity, this charge will not be on your account. I received a letter yesterday on XX/XX/year> from Citibank security operation service team. The letter states my dispute is closed and because I stated that the card was in my possession, the remaining balance of {$310.00} will remain on my account. I am requesting a more thorough investigation how this happen and my account return to zero 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 monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim.

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information. 

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections / charge off were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation. 

Thank you.

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 2024-11-19 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: NV

Complaint narrative:
This morning, I was shocked to find inaccurate accounts listed on my credit report, and I have no idea how they got there. When I checked my report as I routinely do, I was surprised to see unexpected discrepancies. Refreshing my browser didn't resolve the issue, confirming that it wasnt a glitch. Im deeply troubled by this and ask that my submitted documents be thoroughly reviewed so this issue can be permanently resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: NY

Complaint narrative:
I am writing to inform you that I am a victim of a data breach that resulted in fraudulent accounts and unauthorized inquiries appearing on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted immediately : Fraudulent Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$190.00} XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$0.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My refrigerator was repaired while it was covered by their Extended Warranty program provided through my Citibank N.A. issued card. I submitted the documentation for reimbursement 4 times over a period of 4 months using a combination of email address. I've also called them multiple times, but have yet to receive reimbursement.

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 2024-11-19 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: TX

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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-11-19 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: MD

Complaint narrative:
I sincerely urge you to promptly take definitive actions to remove the unauthorized inquiry from my credit report without any further delay.

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 2024-11-19 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: MD

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: GA

Complaint narrative:
XX/XX/year> To : TransUnion, I recently received an electronic notification of an unauthorized inquiry on my TransUnion consumer report The FCRA states that the only permissible purpose for pulling someones credit report is a ) a firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiry violates 15 U.S.C. 1681 ( b ). I did not give any permissible purpose for this unauthorized inquiry, 1. XXXX XXXX XXXX  XX/XX/year> Please remove this inquiry from my credit report immediately. I have enclosed a copy of my drivers license as proof of identity and an FTC ID Theft report with this dispute. 


Sincerely, 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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
All three credit bureaus reported a XXXX  XXXX bankruptcy, and I asked them who verified this information on XX/XX/year>. I would like you to thoroughly verify this information.

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 2024-11-19 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: MD

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from 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 non-monetary relief
Consumer complaint received 2024-11-19 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: MD

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from 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 2024-11-19 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: IL

Complaint narrative:
I am filing this complaint because TransUnion has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to ensure the maximum possible accuracy of my credit report and to conduct a reasonable reinvestigation of disputed information, as required under Section 611 ( 1681i ). 
On XX/XX/XXXX, I received a credit report from TransUnion, reference number # XXXX, which includes an account from XXXX  ( # XXXX ). While the account was marked as " updated, '' significant discrepancies remain unresolved. These inaccuracies negatively impact my credit profile and compromise the integrity of my credit report. 
The following discrepancies have been identified : Date Opened : Inconsistent dates. TransUnion reports XX/XX/XXXX, while XXXX and XXXX report XX/XX/XXXX. 
High Credit Amount : Discrepancies in the high credit amount. TransUnion and XXXX report {$2600.00}, while XXXX reports {$2500.00}. 
Credit Limit : Inaccurate credit limit. TransUnion and XXXX report {$2500.00}, while XXXX reports {$0.00}. 
XXXX XXXX : Differences in the " 60 days late '' status reported across the bureaus. 
Last Reported Date : Dates do not match. 
Date Last Active : Inconsistent dates. TransUnion reports XX/XX/XXXX, while XXXX and XXXX report XX/XX/XXXX. 
Date of Last Payment : Variation in reported dates. TransUnion and XXXX report XX/XX/XXXX, while XXXX shows XX/XX/XXXX. 
Despite these discrepancies, TransUnion has failed to : Provide a detailed description of the procedures used to verify this information. 
Identify the name, address, and telephone number of any person or entity contacted regarding this account. 
Present any documentation bearing my signature to validate the reported information. 
Additionally, TransUnion has relied on automated systems, such as e-OSCAR, for verification, which is insufficient for a thorough reinvestigation under the FCRA. I also filed a formal complaint with the Federal Trade Commission ( FTC ) regarding this matter, identified as FTC Report Number XXXX, to further document TransUnions non-compliance. 
Impact of the Issue : These unresolved inaccuracies are damaging my credit score, harming my financial reputation, and causing significant stress and financial hardship. XXXX negligence has created barriers to accessing financial products on fair terms, undermining my ability to manage my finances effectively.

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 2024-11-19 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: CA

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off : 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

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: GA

Complaint narrative:
I recently investigated my credit report and found several items there to be inaccurate under 15 US Code 1681e ( b ) Accuracy of Report- Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 US Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) 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 ( ii ) promptly notify the furniture of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, pa XXXX **Ally Financial** XXXX XXXX XXXX XXXX, MN XXXX **Subject : ** Request for Account Deletion Disputed Account To Whom It May Concern, I am writing to formally dispute the reporting of the account listed below on my credit report. I believe this information is inaccurate and/or incomplete and should be removed. 

- **Creditor Name : ** Ally Financial - **Date Reported Closed : ** XX/XX/year> **Reason for Dispute : ** 1. The account shows a payment history of being late for several months ; however, the account status is marked as " Paid. '' This inconsistency raises questions about the accuracy of the reporting. 
2. The remarks state, Consumer disputes after resolution, but it appears the account still contains unresolved inaccuracies affecting my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe is erroneous or unverifiable. Please investigate this matter, verify the accuracy of the account details with the original creditor, and provide me with supporting documentation to validate the accuracy of this account. If you can not verify the information, I request that you delete the account entirely from my credit report. 

Attached, I have included a copy of my identification and a copy of my credit report highlighting the account in question for your reference. 

I expect a resolution to this matter within 30 days as required under the FCRA. Please notify me of your findings in writing and provide an updated credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. If you need further information, I can be reached at XXXX XXXX XXXX XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation