vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-04 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: PA

Complaint narrative:
I noticed unauthorized and fraudulent inquires on my credit report. Those inquires consisted of the following. 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 2024-05-04 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: Chaparral Inc
State: OH

Complaint narrative:
Would buying the vehicle I was told that my payments would be reported to all three credit and it has not been I called the company asked if I can get any paperwork reporting my payments to my credit and they told me no when I have over a XXXX score on the other two platforms and this one I don't and it is really hurting me to move forward with my life

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: MI

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

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 2024-05-04 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: Affirm Holdings, Inc
State: TN

Complaint narrative:
I hope this message finds you well. I am writing to you with an urgent issue that has, until now, remained unresolved and is causing me unnecessary stress and strain. 

On an initial note, reaffirming the content of a prior communication I received from your establishment, it was clearly stated that the loans erroneously tied to my name would no longer be my responsibility. However, the current circumstances and the lack of action on your part is not just baffling but highly unacceptable. Going through my latest credit report, it is distressingly apparent that Affirm has failed to make good on its promise, as these loans are still marked against my credit. 

This, I must say, is a direct contradiction to the assertion made in your email that explicitly absolved me of the burdens tied to these loans. Breaching trust in such a crude manner is truly perplexing, especially coming from a corporation that prides itself on maintaining transparent customer relations. Not only has your lack of action resulted in a festering dilemma for me, but it also imposes a stain on your reputation. 

Moreover, I have telephonically contacted your customer service department more than once. Each time I reiterated my unfortunate position as a victim of identity theft. Yet, it seems like my pleas are either ignored or blatantly brushed under the rug. This lackluster handling of my identity theft issue is a grave disappointment and speaks volumes about your level of commitment towards customer security. 

This situation is not only unethical but also incredibly damaging. Your inaction demonstrates a complete disregard towards the credibility of your own communication and leaves a lot to be desired regarding your customer services, especially because my issue involves identity theft, a crime that in itself warrants immediate and thorough response. Despite being caught in the throes of this distressing and challenging situation, I find myself questioning the credibility of Affirm, which instead of solving problems, is adding to them. 

Without trying to be litigious at this juncture, I would like to emphasize that unless the wrongful loans are properly removed from my credit report forthwith, I am afraid I will have to resort to legal avenues to protect myself. Please consider this as a forewarning. 

I thereby demand your prompt attention in this matter. Concurrently, I hope that my trail of angst and consternation would serve as an eye-opener for you, so as to remedy the situation, understanding the depth of the issue and, moving forward, taking concrete steps to alleviate my distress as well as prevent any such unfortunate incidents from recurring in the future. 

Thank you for your attention to this matter. Expecting your immediate assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been unable to view credit score and report from Equifax which includes other websites like fico score in regard to Equifax credit. They have recently stated that even though they have access to both my social security and Drivers license, my credit is on hold are refuse to remove hold even with a verification of my identity. While I am able to dispute some incorrect information, others I have to call in and am given a hard time continuously having to dispute other information that other bureaus have corrected. There investigation takes less than 24 hours with little to no change and no update to what has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
In XX/XX/2024, I requested to open a Certificate of Deposit at a local branch. The branch stated they were not licensed to do so.

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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I had a XXXX balance on a credit card and I charged {$420.00} and then all XXXX credit bureau 's dropped my credit score XXXX points. I paid the card off the very next month and my score only raised up XXXX points.I was told on the phone that it would take several moths for my score to go back to where it was. The reason for the score drop was due to using XXXX of my available credit but when I pay it off it should go back to where it was. Also because my score dropped it my other XXXX bank cards lowered the spending limit and that means I know have a higher debt to available that in tun lowers my score even more. I asked XXXX Bank to put my available up since I have never been late and always pay more than the minimum by {$200.00} more. They said it was lowered based on my score dropping. This will be a never ending cycle and should be illegal on both the credit reporting companies as well as credit card companies. Last I went and bought a new car and between XXXX dealerships i ended up with completely different score range, And I mean by hundreds of point and not even close as to what the XXXX XXXX 's show to me as the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I am writing to formally dispute the presence of an account listed under your company 's name on my recent credit report. Upon reviewing the report, I was surprised to find an account that I have no knowledge of or association with. 

As a diligent consumer, I routinely monitor my credit report for accuracy and consistency. The discovery of this unfamiliar account has raised concerns regarding potential inaccuracies or fraudulent activity. 

I hereby request that you conduct a thorough investigation into the origins of this account and provide me with detailed information regarding its creation and associated transactions. Additionally, I urge you to take immediate action to rectify the inaccurate reporting on my credit profile. 

Maintaining the integrity and accuracy of my credit report is paramount to my financial well-being. Therefore, I expect prompt and decisive action in resolving this matter. 

I appreciate your attention to this dispute and look forward to a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 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: FL

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. It is also a violation of the FCRA laws dealing with 15USC due to these inquiries are not attached to any open accounts or no proof of accounts for these inquiries. 
The following inquiries are unauthorized : XXXX XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. 
Code 1681b in general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general.If, 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 must- Delete it from my credit report.

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time.

I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

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 2024-05-04 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:
Hello, I hope youre doing well. I have an existing XXXX XXXX Spend and Savings account. XXXX XXXX always tries to push the XXXX XXXX XXXX XXXX on their customers. I received an email from XXXX XXXX XXXX XXXX that, I had a line of credit of {$1000.00} to use. They would take {$10.00} up to {$80.00} to pay towards any of the {$1000.00} credit I used. I didnt like how the XXXX XXXX XXXX account was set up or how it worked. I called their customer service department several times to understand how I thought the program worked.. I needed this to make since as to how having this account would be beneficial to me. I could never get a concrete explanation that made me feel comfortable as a consumer. So, I verbally cancelled this XXXX XXXX XXXX account on XX/XX/XXXX. I then followed up with an email to the XXXX XXXX XXXX XXXX customer Service Department. I just noticed on my Transunion, XXXX and XXXX credit reports that XXXX XXXX reported my account as a charge off. This is a false statement. I closed the account. They didnt close my account. After closing the account, I was just reimbursed the {$10.00} on XX/XX/XXXX that was set to be sent back to me 7 days after closing the account. The fee from this account took longer to be reimbursed back to me. Please delete the false account indicating I defaulted. This isnt true. I have the proof to support my concerns. I wasnt in default. They didnt close this account. I did. I have sent you the proof.

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 2024-05-04 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: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer credit as late for any purpose.

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 2024-05-04 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: CT

Complaint narrative:
I recently became aware that unauthorized fraudulent accounts, addresses, inquiries, and name misspellings have been reporting on my credit report. My personal information has been used without my consent or knowledge. I have tried to rectify this situation several times now unsuccessfully. I have no knowledge of these accounts nor have I signed any contracts with these creditors.

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 2024-05-04 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: CT

Complaint narrative:
I recently became aware that unauthorized fraudulent accounts, addresses, inquiries, and name misspellings have been reporting on my credit report. My personal information has been used without my consent or knowledge. I have tried to rectify this situation several times now unsuccessfully. I have no knowledge of these accounts nor have I signed any contracts with these creditors.

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 2024-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2024-05-04 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: CA

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 XXXX XXXX XXXX. 

XXXX XXXX ( XXXX ), XXXX  ( XXXX ), XXXX XXXX XXXX XXXX )XXXX XXXX XXXX  ( XXXX ), XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C1681 Section 604A Section 2 States a consumer reporting agency can not furnish an 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 or any other adverse items 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 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: FL

Complaint narrative:
Dispute Regarding XXXX XXXX XXXX ACCOUNT XXXX I am writing to formally dispute the presence of account XXXX on my credit report, which is inaccurately impacting my credit score. Despite my previous dispute and request for reinvestigation, the account has been verified with inaccurate information, which is in violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I have the right to accurate and verifiable information on my credit report. However, the information provided regarding this auto loan account is erroneous and is unfairly affecting my creditworthiness. 

Therefore, I am requesting the immediate deletion of this account from my credit report. Its continued presence not only violates my rights under the FCRA but also unjustly impairs my ability to access credit and financial opportunities. 

I expect a prompt response to this dispute and request, in accordance with the regulations set forth by the FCRA. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: FL

Complaint narrative:
Dispute Regarding XXXX XXXX XXXX ACCOUNT XXXX I am writing to formally dispute the presence of account XXXX on my credit report, which is inaccurately impacting my credit score. Despite my previous dispute and request for reinvestigation, the account has been verified with inaccurate information, which is in violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I have the right to accurate and verifiable information on my credit report. However, the information provided regarding this auto loan account is erroneous and is unfairly affecting my creditworthiness. 

Therefore, I am requesting the immediate deletion of this account from my credit report. Its continued presence not only violates my rights under the FCRA but also unjustly impairs my ability to access credit and financial opportunities. 

I expect a prompt response to this dispute and request, in accordance with the regulations set forth by the FCRA. 

Thank you for your attention to this matter.

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 2024-05-04 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 writing to formally dispute the presence of an account listed under your company 's name on my recent credit report. Upon reviewing the report, I was surprised to find an account that I have no knowledge of or association with. 

As a diligent consumer, I routinely monitor my credit report for accuracy and consistency. The discovery of this unfamiliar account has raised concerns regarding potential inaccuracies or fraudulent activity. 

I hereby request that you conduct a thorough investigation into the origins of this account and provide me with detailed information regarding its creation and associated transactions. Additionally, I urge you to take immediate action to rectify the inaccurate reporting on my credit profile. 

Maintaining the integrity and accuracy of my credit report is paramount to my financial well-being. Therefore, I expect prompt and decisive action in resolving this matter. 

I appreciate your attention to this dispute and look forward to a swift resolution.

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