vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 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:
I am writing to file a formal complaint against XXXX XXXX XXXX and the credit reporting agencies XXXX, XXXX, and TransUnion regarding fraudulent activity related to an auto loan taken out in my name without my consent or knowledge. 

I discovered that my identity had been stolen by my son, who fraudulently acquired an auto loan in my name without my authorization. I have never visited a XXXX dealership nor have I ever consented to or signed any documents related to an auto loan with XXXX XXXX XXXX. Furthermore, I have never provided permission for anyone, including my son, to use my personal information for the purpose of obtaining a loan. 

Despite these facts, XXXX XXXX XXXX has initiated a loan account in my name without obtaining my wet ink signature or any form of contractual agreement. I have never entered into any agreement with XXXX XXXX XXXX, and I have not benefited from nor have any association with the auto loan in question. This loan was acquired through deceptive and fraudulent means, and I demand that XXXX XXXX XXXX provide evidence of any legitimate contract or agreement with me. 

Additionally, I hold XXXX, XXXX, and TransUnion responsible for their negligence in verifying and authenticating the legitimacy of this loan. As consumer reporting agencies, they have a duty under federal law ( 15 USC 1681o and 15 USC 1681n ) to ensure the accuracy and integrity of the information they report. However, they failed to verify this loan with me before including it in my credit history. 

I request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate action against XXXX XXXX XXXX and the credit reporting agencies involved. Specifically, I demand that : The auto loan account in question be removed from all credit history maintained by XXXX, XXXX, and TransUnion in accordance with 15 USC 1681c-2 and FCRA 605B. 
XXXX XXXX XXXX provide evidence of any legitimate contractual agreement with me or remove the fraudulent loan account from their records. 
I reserve the right to pursue legal action, including arbitration or lawsuit, to seek punitive damages for the harm caused by the inclusion of this fraudulent account on my credit report. 
I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action to rectify the injustice done to me. Thank you for your attention to this urgent 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 non-monetary relief
Consumer complaint received 2024-05-16 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:
I am writing to file a formal complaint against XXXX XXXX XXXX and the credit reporting agencies XXXX, Equifax, and XXXX regarding fraudulent activity related to an auto loan taken out in my name without my consent or knowledge. 

I discovered that my identity had been stolen by my son, who fraudulently acquired an auto loan in my name without my authorization. I have never visited a XXXX dealership nor have I ever consented to or signed any documents related to an auto loan with XXXX XXXX XXXX. Furthermore, I have never provided permission for anyone, including my son, to use my personal information for the purpose of obtaining a loan. 

Despite these facts, XXXX XXXX XXXX has initiated a loan account in my name without obtaining my wet ink signature or any form of contractual agreement. I have never entered into any agreement with XXXX XXXX XXXX, and I have not benefited from nor have any association with the auto loan in question. This loan was acquired through deceptive and fraudulent means, and I demand that XXXX XXXX XXXX provide evidence of any legitimate contract or agreement with me. 

Additionally, I hold XXXX, Equifax, and XXXX responsible for their negligence in verifying and authenticating the legitimacy of this loan. As consumer reporting agencies, they have a duty under federal law ( 15 USC 1681o and 15 USC 1681n ) to ensure the accuracy and integrity of the information they report. However, they failed to verify this loan with me before including it in my credit history. 

I request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate action against XXXX XXXX XXXX and the credit reporting agencies involved. Specifically, I demand that : The auto loan account in question be removed from all credit history maintained by XXXX, Equifax, and XXXX in accordance with 15 USC 1681c-2 and FCRA 605B. 
XXXX XXXX XXXX provide evidence of any legitimate contractual agreement with me or remove the fraudulent loan account from their records. 
I reserve the right to pursue legal action, including arbitration or lawsuit, to seek punitive damages for the harm caused by the inclusion of this fraudulent account on my credit report. 
I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action to rectify the injustice done to me. Thank you for your attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-05-16 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: IL

Complaint narrative:
Upon reviewing my credit report, I observed inaccuracies in the listed accounts that need to be reported and corrected by your company.

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 2024-05-16 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In XX/XX/2023, I lost my wallet with my ID and credit cards. Soon after I noticed a very large purchase on my Care Credit credit card. I contacted care credit immediately to file a dispute for this transaction. They have not helped resolve this matter and the purchase was made out of state I filed two police report in regards to this matter and need it handled immediately.

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 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
In XXXX of XXXX I contacted " XXXX XXXX, '' a local heating and air conditioning installer. I contracted for the purchase and install of an A/C unit. During the process they informed me that they could offer a 0 % interest consumer loan on the unit via a program with Wells Fargo. At they time they did not state that this was a credit card, simply that it was a consumer loan. As the money was offered at 0 % and no discount was offered for cash payment I accepted the loan offer. As I recall I was provided a short online application via a link. I then setup a payment of {$970.00} per month to service the loan. This payment was recommended as the monthly payment by Wells Fargo. 

I looked at the app on a regular basis and made sure my payments were being made on time. I also looked at my statement a few times. Statements were delivered electronically. my statement and noted that I was paying no interest or fees. On XX/XX/XXXX of this year I again reviewed my statement as I felt that I was getting near the end of my loan. XX/XX/XXXX my loan balance was only {$11000.00}. I was horrified to find out that in XXXX of this year Wells Fargo added {$11000.00} of " accrued interest. '' I continued to make automatic payments after this as I did not notice the interest. Obviously I would never have agreed to a 28.99 % interest on this loan. It was never even disclosed to me as a credit card. It was a " 0 % interest loan from Carrier, the equipment manufacturer. '' I assumed that this was a promotional financing offer from the manufacturer, offered to the dealer to increase sales.

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 2024-05-16 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: NE

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2024-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: FL

Complaint narrative:
XX/XX/XXXX. {$3300.00}. They said to contact the original company. I called XXXX. They want a form called Identity Theft Claim to prove my Identity when they can verify my identity with my credit history. The company works in the states of Massachusetts and New Hampshire, and I have never lived in any of these states. They also work in the state of Connecticut, which I have not lived or visited since I was born. I will submit the requested documentation, but the company should be warned about identifying their client properly. This is a trouble for an actual person like myself who is having an Identity theft problem. I have reported to the following credit bureaus, like XXXX, XXXX, and XXXX, about my situation since XXXX. They still were able to use my identity. 

The documentation below uploaded were my ID, military letter with address, Veterans Affairs letter with address, and the last credit report with my address that never suggests that I live in Connecticut.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested for them to indicate actually amounts I paid to XXXX  XXXX on the credit reports as they indicate for other companies in the report. 
I requested updated information but they Sent me a report before my payment due date in XX/XX/year> dated XX/XX/year> how did they come up with {$2.00} debt and I paid {$120.00} as stated on XXXX  XXXX statement sent to me for XXXX payment. 
They had refused to dispute with XXXX XXXX XXXX why the minimum amount they reported to credit bureas are not same minimum I get on my credit reports. 
Also the refused to dispute increase of interest on XXXX  XXXX 5 times in a year without XXXX  XXXX writing me any 45days advance notice according to Consumer financial protection burea. 
Also I had written their office of XXXX thrice attached my utility bill, ssn card, driver 's license all bold and colored print copy but they kept asking for it before the will respond to me over the phone with my selfie and when I answer their so called computer generated questions that never changed over month their agent will say it's incorrect meanwhile I answered from the credit reports they mailed to me that means XXXX Credit Bureau is reporting false information and I told them what they report to lenders are incorrect. 
They blocked me from uploading supporting evidences document on my disputes that will enable in their investigation and they put negative remark on my credit file while the have not completed investigation and the refused to remove it even with supporting documents they got in their office address

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 2024-05-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Someone used my funds off my card I am not sure how but the only thing I did was get a cash advance. There is all types of tech out here these days who knows how these graduates do what they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: IN

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXX XXXX XXXX  After your investigation the account still is reporting late for XX/XX/2023. However, I for sure paid this account on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following XX/XX/2023. I have requested a statement and or proof that I was late on this account and have not received such documentation. In accordance with The Fair Credit Reporting Act, Public Law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up. I am requesting that you immediately update this account to paid on time.

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 2024-05-16 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: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-05-16 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from 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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I requested a free credit report from TransUnion on XX/XX/year>. I got the credit report, but it did not include my credit score. I talked with a representative from the company, and she informed me that their policy is to no provide credit scores for free. I'd have to pay for a credit report that includes my credit score. 

TransUnion collects my information without my consent, determines scores that impact my ability to live my life ( get a job, get an apartment, get a loan, etc ), and they make me pay to even see what they report to other entities about me. This is plainly unethical and an abuse of power, if not illegal. TransUnion also stands out in this respect compared to it's peers. Although all three agencies monetize the data they collect without concent, the other XXXX major credit reporting companies do provide this information for free. 

I should be able to see what TransUnion is reporting about me based on my data that they collected without my consent, and I shouldn't have to pay them to see it.

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 2024-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am writing to request a reconsideration of the suspension of my Paypal account to the email XXXX. My account is suspended due to high risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-05-16 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-05-16 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: CA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX and the credit reporting agencies Experian, XXXX, and XXXX regarding fraudulent activity related to an auto loan taken out in my name without my consent or knowledge. 

I discovered that my identity had been stolen by my son, who fraudulently acquired an auto loan in my name without my authorization. I have never visited a XXXX dealership nor have I ever consented to or signed any documents related to an auto loan with XXXX XXXX XXXX. Furthermore, I have never provided permission for anyone, including my son, to use my personal information for the purpose of obtaining a loan. 

Despite these facts, XXXX XXXX XXXX has initiated a loan account in my name without obtaining my wet ink signature or any form of contractual agreement. I have never entered into any agreement with XXXX XXXX XXXX, and I have not benefited from nor have any association with the auto loan in question. This loan was acquired through deceptive and fraudulent means, and I demand that XXXX XXXX XXXX provide evidence of any legitimate contract or agreement with me. 

Additionally, I hold Experian, XXXX, and XXXX responsible for their negligence in verifying and authenticating the legitimacy of this loan. As consumer reporting agencies, they have a duty under federal law ( 15 USC 1681o and 15 USC 1681n ) to ensure the accuracy and integrity of the information they report. However, they failed to verify this loan with me before including it in my credit history. 

I request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate action against XXXX XXXX XXXX and the credit reporting agencies involved. Specifically, I demand that : The auto loan account in question be removed from all credit history maintained by Experian, XXXX, and XXXX in accordance with 15 USC 1681c-2 and FCRA 605B. 
XXXX XXXX XXXX provide evidence of any legitimate contractual agreement with me or remove the fraudulent loan account from their records. 
I reserve the right to pursue legal action, including arbitration or lawsuit, to seek punitive damages for the harm caused by the inclusion of this fraudulent account on my credit report. 
I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action to rectify the injustice done to me. Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation