vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-26 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: TX

Complaint narrative:
I implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

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 2023-12-26 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: NY

Complaint narrative:
Per the Fair Credit Reporting Act, I XXXX XXXX XXXX the federally protected consumer, am now opting of any and all authorization. 

Please see the attached notice ( s ) I have also attached the first notice that was sent to XXXX XXXX XXXX that has been ignored.

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 2023-12-26 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: NY

Complaint narrative:
Per the Fair Credit Reporting Act, I XXXX XXXX XXXX the federally protected consumer, am now opting of any and all authorization. 

Please see the attached notice ( s ) I have also attached the first notice that was sent to XXXX XXXXXXXX XXXX that has been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: DISCOVER BANK
State: SC

Complaint narrative:
In XXXX, my discover credit card was used from my old XXXX via XXXX XXXX to fraudulently purchase over {$1100.00} worth of things from XXXX, including XXXX XXXX XXXX XXXX. This was very irregular activity, and my credit card was not paused and I was not notified when this first happened. I had to go into my account a few days later and pause the credit card to stop the charges, and Discover did not help me at all. After disputing the charges with evidence from XXXX, fbi complaints and more, they still did not resolve my dispute. I have began the process of filing a police report with the XXXX XXXX store where I left my XXXX XXXX, where the charges occurred from according to XXXX. In the mean time, I need these fraudelent charges cleared from my Discover bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: HI

Complaint narrative:
I saw advertisement XXXX XXXX  for special promo, so I called and asking benefits for treatments. 

They were really nice and took me to online consulting with RN, they guarantee my problem will works with promotion deal. 

They told me price and payment plan, she said she will transfer dep for payment plan. 
Ally  went through for payment plan, they promised I can cancel anytime if Im not satisfy treatment then stop pay right away.

My XXXX  XXXX XXXX XXXX and Dr told me I have to purchase this and that,,,, I wasnt comfortable they are start selling things and asking more treatment. 

My XXXX  not getting better so I stopped after XXXX  session, then I told them Id like to cancel service anymore because Im not happy getting worse.

So I asked them same time I dont need to make a payment they said yes. 

After few month I receive payment still I was ignore I though they might not process yet But kept going so I contact XXXX XXXX then they said call ally, I called ally  explained, first time they said they will look for whats problem. 
It wasnt helpful. 

I called again after month and complained. 
Lady was really nice to see more detail and filed complain.

Then I got this collection.

When I cancel they didnt tell me any of detail I still going to make a payment and how much.

I dont receive any email or later for cancellation and price will be changed. 
XXXX XXXX  lady told me we could offer credit for any other treatment, but when I called them to cancel no one offered me she said Im so sorry.

They said on the phone processed cancellation.

I complained XXXX  because there are no communication whats so ever from ally  besides asking me to pay, no communication from XXXX XXXX. 

Very very disappointed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-26 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: TX

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2023-12-26 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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: TX

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was given an American Express gift card for XXXX. I have been able to use it, check the funds of it, yet I wasnt able to use it on apps like XXXX or XXXX, and other people have complained about this too. I was only able to use it on XXXX, a digital marketplace, but no other has seemed to take it at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-26 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX I am reporting a fraudulent inquiries found in 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 non-monetary relief
Consumer complaint received 2023-12-26 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: 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
EQUIFAX is violating my right to privacy under the FCRA with regards to inquiries without proper documentation. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Unless the companies who inquired were directly affiliated with EQUIFAX, consent from the consumer is required before EQUIFAX can report non public information. Absent consent or waiver, EQUIFAX is in violation of FCRA and can be held to damages per incident per day. The following inquiries must be deleted or EQUIFAX must provide consent or waiver documents to report this nonpublic information. NOT ASKING FOR VERIFICATION BUT ASKING FOR DOOCUMENTS COPIES TO PROVE VALIDITY OF INQUIRIES : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There was a fraudulent account opened in my name at XXXX XXXX. This was discovered through my bank letting me know my credit line had been decreased from XXXX to XXXX due to a passed due bill that was paid off right away and my credit score. The person who stole my info opened an account last year, charged about XXXX to it and obviously never paid it back. This was reported on my credit score and disputed with the company I did my credit score through. I have been trying to get in touch with XXXX XXXX  to file a dispute. I have called several times each time waiting on hold for more than an hour at a time. The very little human interaction I have had has been transferring me about with no help towards my issue. The first time I called and sat on hold for almost XXXX hours and then was hung up on my someone and not contacted back thus having to start the process all over again. This is insanely frustrating and causing a large issue. Please help

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 2023-12-26 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: SC

Complaint narrative:
My personal information is being exposed to my credit report without being given my written or verbal consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: SC

Complaint narrative:
My personal information is being exposed to my credit report without being given my written or verbal consent.

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 2023-12-26 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: TX

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal 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 non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV received my phone information fraudulently. The original creditor charged off this account and was fully credited. After the creditor was fully credited and filed 1099C with the irs, the original creditor sold my personal information so that their partners would attempt to collect an another full credit. LVNV has now began selling my information to other companies. So the Original creditor is selling my personal financial information to companies like LVNV and LVNV is billing me, and LVNV has began to sell my information to other companies. I asked the original creditor or the 1099C and they hung up the phone after saying they have no record of sending it in 2022. This account was fully credited in 2022. LVNV is clouding my credit report unfairly and violating my rights under the Fair Credit Reporting Act, Fair Debt Collections Practices Act, and The Fair Credit Billing Act. Aside from this, this account has never been validated, they only have a credit bill but they do not have a credit card agreement. They no signature and no record of a contract to sign up for a credit card. All they have is bills, which is not a credit card agreement. A bill comes after their is already an agreement but its not proof an agreement. They have no copy of identification of anything that says I signed up for a card. However, they have already been fully credited and for this reason I do not wish to be Harassed via phone calls, stalked via US mail, or any contact. I have been bullied for over a year now and I have lost opportunity for first time home buyer programs, renovation loans, and more and because of this my son and I have not been able to move into a new neighborhood. We have wasted time and money trying to clear my credit but LVNV reports late payments every month as if I active account. They also ran my credit as If they are a cared company. Im not sure why they have so much power of my life without oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint 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 2023-12-26 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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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:
XXXX XXXX has been ruining my credit. Along with several others. I have disputed the information with XXXX and Transunion and everything comes back verified even though its not. I didnt open up the accounts so Im trying to get these things off. I have submitted my dispute along with my updated FTC report and XXXX never investigated anything everything is coming back verified the next day. Also XXXX XXXX is reporting false information on my credit report as well. They are listing my loan as a repossession when it was not. My engine completely failed the car was still under factory warranty and the manufacture paid off the loan to XXXX XXXX. My car is also involved in a class action lawsuit and I showed proof of this to XXXX and Transunion but they have never corrected this information and they continue to allow these companies to report false information. I am attaching proof of my identity as well since XXXX said they couldnt process my dispute because I didnt give my id even though I did. Im also going to upload all of my FTC reports as well to show how long Ive been fighting to get my credit report corrected.

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 2023-12-26 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: CA

Complaint narrative:
XXXX XXXX has been ruining my credit. Along with several others. I have disputed the information with XXXX and XXXX and everything comes back verified even though its not. I didnt open up the accounts so Im trying to get these things off. I have submitted my dispute along with my updated FTC report and XXXX never investigated anything everything is coming back verified the next day. Also XXXX XXXX is reporting false information on my credit report as well. They are listing my loan as a repossession when it was not. My engine completely failed the car was still under factory warranty and the manufacture paid off the loan to XXXX XXXX. My car is also involved in a class action lawsuit and I showed proof of this to XXXX and XXXX but they have never corrected this information and they continue to allow these companies to report false information. I am attaching proof of my identity as well since XXXX said they couldnt process my dispute because I didnt give my id even though I did. Im also going to upload all of my FTC reports as well to show how long Ive been fighting to get my credit report corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: NC

Complaint narrative:
I experienced a hardship during Covid/laid off and called XXXX XXXX to create an accommodation. As agreed, the account was paid, and the credit card company ensured there would be no late payments updated on my account as long as I adhered to the accommodation agreement. The account was paid as agreed on XX/XX/2023. I recently pulled a copy of my credit profile and realized there has been a series of late payments updated on my credit profile. I have contacted the CRA ( XXXX, XXXX, and Transunion ) requesting the information be updated as I have included all documentation. There has been no response or any due diligence to investigating this information on my behalf. These late payments are in violation of 15 USC 1666B with a billing error. Furnishing this information to my account is also in violation of 15 USC 1681. There should be no late payments listed on my account, this is not affecting my ability to obtain credit for my new home.

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