vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-08 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My name is XXXX XXXX, and I am compelled to submit this complaint due to the repeated unauthorized attempts to secure an auto loan using my credit profile. The numerous inquiries on my credit report are alarmingly high, posing a significant threat to my financial well-being. It is imperative that immediate action is taken to safeguard my credit. Therefore, I kindly request the placement of an extended fraud alert on my credit file. Furthermore, I emphatically request that no financial transactions or approvals be granted without my explicit consent. 

For any inquiries or account openings, I insist that you reach out to me directly at XXXX prior to any action. Your cooperation in ensuring the security of my financial affairs is greatly appreciated. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-02-08 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: AmeriHome Mortgage Company, LLC
State: CO

Complaint narrative:
I am writing to file a formal complaint against AmeriHome Mortgage regarding their failure to address a dispute letter I mailed to the address listed on my credit report, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, on XX/XX/2023. The letter was returned to me as undeliverable, indicating that AmeriHome Mortgage is not reachable at the provided address. Enclosed with this complaint are copies of the original dispute letter I sent to AmeriHome Mortgage, along with the returned mail envelope, as evidence that this creditor is not furnishing accurate information and that the account can not be verified.

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 2024-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I lost my wallet car Keys phone with everything on it a scammer took all my information went into XXXX XXXX and withdraw XXXX singed my signature and chase is telling me theres nothing they can do denying my claim I singed a ucc forgery packet they wont give me my money my account was hacked and scammed I provided them with paper work everything they asked for

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: MI

Complaint narrative:
I am writing to file a formal complaint regarding the unauthorized reporting of transaction and late payment history on my credit report by XXXX, TransUnion, and XXXX. This action appears to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a and 1681b.

According to 15 U.S. Code 1681a, a " consumer reporting agency '' is defined as any person that regularly engages in the practice of assembling or evaluating consumer credit information for the purpose of furnishing consumer reports to third parties. Additionally, a " consumer report '' is defined as any communication bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.

However, 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) excludes reports containing information solely as to transactions or experiences between the consumer and the person making the report. Therefore, reporting transaction history on my credit report is considered illegal under this exclusion. Furthermore, the reporting of late payment history without proper verification and authorization is also in violation of the FCRA. 

As a consumer, I have not provided authorization for the inclusion of transaction and late payment history on my credit report, nor have I consented to such reporting. Therefore, the actions taken by XXXX, TransUnion, and XXXX are in direct violation of the FCRA. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to address the unauthorized reporting of transaction and late payment history by XXXX, TransUnion, and XXXX. Enclosed with this letter, you will find copies of relevant documents, including my credit report reflecting the unauthorized reporting. 

Thank you for your prompt attention to this issue. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure that my rights under the FCRA are protected. 
XX/XX/year>

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to file a formal complaint regarding the unauthorized reporting of transaction and late payment history on my credit report by XXXX, XXXX, and Equifax. This action appears to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a and 1681b.

According to 15 U.S. Code 1681a, a " consumer reporting agency '' is defined as any person that regularly engages in the practice of assembling or evaluating consumer credit information for the purpose of furnishing consumer reports to third parties. Additionally, a " consumer report '' is defined as any communication bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.

However, 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) excludes reports containing information solely as to transactions or experiences between the consumer and the person making the report. Therefore, reporting transaction history on my credit report is considered illegal under this exclusion. Furthermore, the reporting of late payment history without proper verification and authorization is also in violation of the FCRA. 

As a consumer, I have not provided authorization for the inclusion of transaction and late payment history on my credit report, nor have I consented to such reporting. Therefore, the actions taken by XXXX, XXXX, and Equifax are in direct violation of the FCRA. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to address the unauthorized reporting of transaction and late payment history by XXXX, XXXX, and Equifax. Enclosed with this letter, you will find copies of relevant documents, including my credit report reflecting the unauthorized reporting. 

Thank you for your prompt attention to this issue. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure that my rights under the FCRA are protected. 
XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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 recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-02-08 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-02-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
I'm getting about 3- 5 calls a day from an automated system and they won't stop. It's been over 2 weeks now. 
I've requested the opt out selection on the automated answering service and I've also talked to 2 different employees on the phone requesting they remove me from their call list. That was roughly a week ago and the calls won't stop. 
I do have a personal loan with them that's about to be paid off this month. 

2 calls today XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XX/XX/year>XXXX  - multiple calls but I deleted them Tuesday XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXX/XX/year> - XXXX and XXXX then XXXX and XXXXXXXX XXXX  at XXXX - spoke to the 2nd person and requested they take me off the list. 
There has been multiple calls like this everyday for over 2 weeks. This is what I have record of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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 address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-02-08 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: Early Warning Services, LLC
State: PA

Complaint narrative:
Good Morning, i just received final resualt from XXXX XXXX, admited and bale to find the transaction on my closed account, attached copy to remove negative account abuse be reported

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-08 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: NC

Complaint narrative:
The particular accounts position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sue to present facts that this is being reported efficiently as per the Fair credit Reporting Act regulations. I have done many attempts to reach out the XXXX XXXX XXXX but the failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you. XXXX XXXX ; INQUIRIES : XXXX XXXX XXXX  Inquiry Date XX/XX/2022, XXXX XXXX XXXX Inquiry Date XX/XX/202XXXX XXXX XXXX Inquiry Date XX/XX/2XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022 .

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 2024-02-08 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: NC

Complaint narrative:
The particular accounts position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sue to present facts that this is being reported efficiently as per the Fair credit Reporting Act regulations. I have done many attempts to reach out the XXXX Credit Bureau but the failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you. XXXX XXXX ; INQUIRIES : XXXX XXXX XXXX  Inquiry Date XX/XX/2022, XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022 .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Dear cfpb, I am writing to file a complaint regarding the fraudulent dispute of funds by Apple Credit Card, charging both the merchant and the customer. 

After receiving an XXXX product that I found to be not worth the price paid, I attempted to return it to the merchant. However, the merchant refused to provide a return address and label, insisting on unreasonable grounds. Consequently, I had no choice but to file a dispute with Apple Credit Card regarding this transaction. 

Disputed Transaction Dispute case number : XXXX Transaction date : XXXX XXXX XXXX  Merchant name : XXXX Disputed amount : {$50.00} Amount to be rebilled : {$50.00} Despite clear evidence, Apple Card Goldman Sachs confirmed the dispute as successful and sent me an email confirming the Dispute Status : Completed ( Disputed charges will be removed ). The temporary credit received, including any interest charges, was supposed to be permanent. However, if XXXX also issued a credit for this disputed transaction, the permanent credit might be reversed. 

As I never received the credited amount, I already filed a complaint with cfpb against Apple Card Goldman Sachs for failing to transfer the disputed amount to me. 

Shockingly, after my complaint, Apple Card Goldman Sachs maliciously deemed the dispute unsuccessful, thereby fraudulently retaining the funds. Today, I received an email stating Dispute Status : Completed ( Disputed charge ( XXXX ) will remain ). The temporary credit of XXXX This corrupt and dictatorial behavior by the bank is unacceptable. 

I urge the authorities to oversee this matter promptly. 
XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute the following information in my file. I recently viewed a copy of a credit report, and I notice there are unauthorized credit inquiries made by the companies listed below..

To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the name, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing the credit inquiries, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized these Inquiries. I ask that it be removed immediately from my credit file. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 


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

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 2024-02-08 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:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-08 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: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I received a refund check from Regions Bank for overdraft charges and it bounced NSF

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