vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On XX/XX/year> I bid paid XXXX {$340.00} for membership fee and bid on a vehicle on my XXXX XXXX business card. A security deposit of {$750.00} was held on separate business card for the purchase of the vehicle. This company has a XXXX money back guarantee similar to their parent company XXXX. XXXX accepts credit card for purchases of the vehicles won and for their {$240.00} membership fee. 
After winning the auction for the vehicle on XX/XX/year> that's when I learned that I was unable to pay for the vehicle with my business credit card that XXXX held the {$750.00} security deposit. I took time off work to get financing and was able to get a company to purchase the vehicle on my behalf. This company is XXXX... paperwork is attached. However, XXXX refused to cooperate with the company for them to purchase the vehicle. I told them to either accept the offer from XXXX or charge my XXXX business card. I also informed the XXXX by phone that I upgraded my membership to the {$340.00} with the intent of using my business card for the purchase. If they were not willing to accept my XXXX business card or Caramel for payment then the membership would not work for me. I requested by phone on XX/XX/year> that they cancel the {$340.00} membership and issued a refund since I was within the buyers remorse period. My {$750.00} deposit was release to me but the {$340.00} is still reporting inaccurately which is causing damages to my credit and impacting my pending home purchase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: CO

Complaint narrative:
On XX/XX/year> I bid paid XXXX {$340.00} for membership fee and bid on a vehicle on my XXXX XXXX business card. A security deposit of {$750.00} was held on separate business card for the purchase of the vehicle. This company has a XXXX money back guarantee similar to their parent company XXXX. XXXX accepts credit card for purchases of the vehicles won and for their {$240.00} membership fee. 
After winning the auction for the vehicle on XX/XX/year> that's when I learned that I was unable to pay for the vehicle with my business credit card that XXXX held the {$750.00} security deposit. I took time off work to get financing and was able to get a company to purchase the vehicle on my behalf. This company is XXXX... paperwork is attached. However, XXXX refused to cooperate with the company for them to purchase the vehicle. I told them to either accept the offer from XXXX or charge my XXXX business card. I also informed the XXXX by phone that I upgraded my membership to the {$340.00} with the intent of using my business card for the purchase. If they were not willing to accept my XXXX business card or Caramel for payment then the membership would not work for me. I requested by phone on XX/XX/year> that they cancel the {$340.00} membership and issued a refund since I was within the buyers remorse period. My {$750.00} deposit was release to me but the {$340.00} is still reporting inaccurately which is causing damages to my credit and impacting my pending home purchase.

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 2024-08-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: UPGRADE, INC.
State: MI

Complaint narrative:
Applied for a personal loan on XX/XX/year> to consolidate debt. I was offered a rate with the stipulation of a portion of the loan going to direct payment of the creditors listed. There was no indication that certain creditors were not eligible for the program and that they " couldn't '' be paid off in this way. The solution was a product with an interest rate XXXX full points higher ( XXXX % ), materially increasing the cost of the loan. There was no discussion of what " direct payment '' meant and that it was limited to a number of institutions with preexisting relationships. I now have a credit inquiry on my report that I would like to have removed. They declined removing the inquiry when I asked. 

The offering of XXXX service that can not be fulfilled without specific circumstances that are not disclosed only to offer another at a higher rate is clearly bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-08-29 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: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 explanation
Consumer complaint received 2024-08-29 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: FL

Complaint narrative:
I have made multiple efforts to resolve the issue of false, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have significantly affected my life, causing considerable distress. I must emphasize that I never authorized or agreed to have this information associated with my identity, as I have been a victim 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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have made multiple efforts to resolve the issue of false, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have significantly affected my life, causing considerable distress. I must emphasize that I never authorized or agreed to have this information associated with my identity, as I have been a victim 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 explanation
Consumer complaint received 2024-08-29 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: TX

Complaint narrative:
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: TX

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: Experian Information Solutions 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 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 explanation
Consumer complaint received 2024-08-29 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: DC

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Went to XXXX  and came home XX/XX/24. Well after getting settled and locating all my personal items.. I go look in my account to see if I ever got my taxes. See XXXX balance, move on to the next task. I call the irs to see whats going on with my taxes and they say theyve been deposited back in XXXX. I look back in my account and see the deposit, followed by an instant transfer to a bank account that doesnt belong to me. I call for days trying to report this. Getting a system down message in chatting with the agents multiple times a day they wont take a report over chat. Wont give me another phone number. Nothing. Something like 10 days later, XX/XX/XXXX, I finally get to talk to a rep and file a dispute. She sends me an email so I can send police/identity theft report within 72 hrs. Less than 12 hrs later I get an email that my account has been closed. My balance would be transferred to the instant transfer account ( which may possibly be the one that was used fraudulently ) or mailed by check ( to my address from last year they wont let me change ). A few hours after that, I get a email that my dispute was denied. Before even giving me the opportunity to send in the police/ID theft report!!!! I have been calling and emailing to no avail. Everyone I speak to tells me I need to speak to an escalation member, but theyre never available. So they tell me email the support email. Well, support responds when they feel like it and I have been unsuccessful in them addressing or answering any specific questions/concerns/issues. Its almost like a generic response to anyone. This has been over a month now that Ive been going through this. This is not chump change. This is {$4000.00} were talking. I dont understand what the issue is, I know for a fact the account this money was pulled into does not belong to ME. It should be that simple. I dont know how this even happened as I thought they verified the linked accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: LA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: GA

Complaint narrative:
I contacted the credit bureaus about inaccuracies on my credit report, but my letters have been ignored. Instead, I've been receiving responses accusing me of using a third party. I have attached my ID and the relevant letters for your review. If the three bureaus did not take any action about my complaint, I will file a lawsuit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: NH

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-08-29 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 am writing to formally file a complaint against EQUIFAX regarding the inclusion of inaccurate and fraudulent accounts on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) and CFPB regulations. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. My date of birth is XX/XX/year>, and my Social Security Number is XXXX. Upon reviewing my EQUIFAX credit report, I discovered several inaccuracies and fraudulent accounts. There are fraudulent accounts on my report, included in my credit reports I did not open the account and was not informed about it beforehand, indicating it was established without my consent. I have already taken steps to address these issues by contacting EQUIFAX directly. I submitted a dispute and provided supporting documentation, such as drivers license, ssn card, proof of address and FTC report. Despite these efforts, the inaccuracies and fraudulent accounts have not been removed from my credit report, significantly impacting my creditworthiness and financial stability. I am requesting that the CFPB intervene to ensure that these inaccurate and fraudulent accounts are promptly removed from my EQUIFAX credit report. Additionally, I seek written confirmation from EQUIFAX once these accounts have been corrected. I also ask the CFPB to investigate EQUIFAX handling of my dispute and its adherence to FCRA and CFPB rules.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: MA

Complaint narrative:
There is a collection account called XXXX XXXX XXXX XXXXXXXX on my credit report that I do not recognize. Please delete this account of my credit reports because I do not believe that Im legally responsible for this account. Im going to upload my Massachusetts ID card and my Social Security card to verify my identity.

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 2024-08-29 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: MA

Complaint narrative:
There is a collection account called XXXX XXXX XXXX XXXXXXXX on my credit report that I do not recognize. Please delete this account of my credit reports because I do not believe that Im legally responsible for this account. Im going to upload my Massachusetts ID card and my Social Security card to verify my identity.

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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PLEASE UPDATED WRONG ADDRESSES AND NAMES THAT DONT BELONG TO ME

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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 non-monetary relief