vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-20 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: UT

Complaint narrative:
In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. # # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized 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 These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!

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 2024-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I work for a XXXX  company. I was supposed to get XXXX done, but due to my XXXX  advice I did not do any XXXX. So the account was supposed to be closed out but it wasnt and now past due payments are being reported and now there is a delinquent on my account. This has never happened to me before.I have been battling with it since XXXX. I have reached out to each party involved and things have only gotten worse. 
Its been XXXX  Months and this affected my credit score significantly. 
I do not owe any money because I did not do any XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: Bilateral Credit Corp, LLC
State: MD

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. 
Bilateral Credit Corp. LLC Account # 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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:
Upon reviewing my credit report, I identified several inaccuracies related to my XXXX XXXX account ( Account XXXX : XXXX ), including errors in the reported credit limit, last payment date, term length, late payment activity, and date of the last report. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are legally obligated to maintain accurate and complete information. These errors are in violation of this obligation, and they have the potential to misrepresent my financial standing. 
Under the authority of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies must ensure the maximum possible accuracy of reported information, I am writing to formally dispute the inaccuracies related to my XXXX XXXX account ( Account XXXX : XXXX ). The errors include incorrect reporting of the credit limit, last payment date, term length, late payment activity, and date reported. 

As required by law, I am requesting that these inaccuracies be thoroughly investigated and corrected. Due to the nature of these violations, I am requesting that this account be completely removed from my credit reports across all three major bureaus within 15 days. Failure to rectify this promptly may result in further legal action to enforce my rights under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your immediate attention to this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Tesla, Inc.
State: FL

Complaint narrative:
I have a contract, but my car suffered XXXX XXXX  in one storm in XXXX. From that day in XXXX, XXXX, Tesla has been a nightmare. First, I could not take the car, then I took it later and charged me but did not fix it. I had to send it to a third-party shop. XXXX XXXX was involved since the beginning. All process was very low, I had no car for XXXX  months. was very low on getting back, and Tesla lacked support at all times. After months, the insurance decided to total the car. I wasn't contacted by Tesla at any point. After XXXX XXXX made the payoff, Tesla started to charge me when Tesla was the one that owed me money. I have millions of automated messages from Tesla, and not a single email back from me has been answered, and the one answered was to warn me that my bill will go to collection. 

XXXX XXXX, from Finance XXXX XXXX ( XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX ) has zero ability total to a client continues to threaten for collection, not reading or supporting anything for the client. I don't talk to him anymore, I need a decent contact to support and fix the Tesla mistake from services to charging.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: FL

Complaint narrative:
A XXXX XXXX  credit card that was opened I dealt with fraud activity on my name couple years ago and other companys removed it for me but its still showing on my Equifax account so I called them about it and they still wouldnt remove it when its not mine it was open on XX/XX/year> with a balance of {$800.00} due. Please have them remove, this is none of my knowledge and fraudulent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
These are Not my address need to be deleted immediately please XXXX XXXX XXXX apt XXXX north XXXX SC XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
These are Not my address need to be deleted immediately please XXXX XXXX XXXX apt XXXX north XXXX SC XXXX XXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC 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 2024-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
XX/XX/year> So today I am writing about case number XXXX which says it was closed and that SoFi responded . Sofis response was incomplete, incorrect, and totally missed the point. I had contacted them repeatedly ( starting on the first day the fraudulent debits were shown on my account ). 
I would like this reopened and my approximately {$850.00} in remaining fraudulent charges refunded. 
What else can be done so that SoFi bank will treat me fairly and refund the completely fraudulent debits refunded. 
I am including my bank statement which clearly shows the obvious fraudulent debits made over and over again, ( many pages worth ). 
Also, are there other agencies or political representatives that I shout contact to get this corrected? 
I am on the autistic spectrum and really need someone to help me as soon as possible as my XXXX XXXX checks are my only income, and I am currently homeless living temporarily with my grandparents in XXXX XXXX Florida. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: NM

Complaint narrative:
On XX/XX/year>, I applied online for a consolidation loan from BHG. It was denied, and no reason was given. The website promised to send a letter detailing the reason ( s ), but I never received one. On XX/XX/year>, I text-messaged two numbers I was provided by another customer. I asked for the reason for denial and to inquire about a lesser dollar amount. This text was ignored. On XX/XX/year>, someone from BHG called me- not in response to a text, but rather as an automated follow-up. We discovered that the initial denial had been caused by a credit freeze I had initiated. I logged in to my account at XXXX XXXX removed the freeze, and the BHG representative walked me through the process again. This time it took 24 hours and I was denied. I received an email telling me that I was denied, but no reasons. I responded to the email using the address of the representative, which I know is monitored. As of today, I still have received no responses and no letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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:
Date opened XX/XX/XXXX Amount {$600.00} I have contacted them about this Report in XX/XX/XXXX, by XX/XX/XXXX this matter is still unresolved. Attached is the letter that was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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:
Upon reviewing my credit report, I identified several inaccuracies related to my XXXX XXXX account ( Account XXXX : XXXX ), including errors in the reported credit limit, last payment date, term length, late payment activity, and date of the last report. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are legally obligated to maintain accurate and complete information. These errors are in violation of this obligation, and they have the potential to misrepresent my financial standing. 
Under the authority of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies must ensure the maximum possible accuracy of reported information, I am writing to formally dispute the inaccuracies related to my XXXX XXXX account ( Account XXXX : XXXX ). The errors include incorrect reporting of the credit limit, last payment date, term length, late payment activity, and date reported. 

As required by law, I am requesting that these inaccuracies be thoroughly investigated and corrected. Due to the nature of these violations, I am requesting that this account be completely removed from my credit reports across all three major bureaus within 15 days. Failure to rectify this promptly may result in further legal action to enforce my rights under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your immediate attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: AL

Complaint narrative:
Equifax, please see police report for identity theft that I submitted to you. XX/XX/scrub>XXXX  via CFPB portal these inquires are fraudulent. Please remove ASAP. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: IN

Complaint narrative:
I recently checked my credit report report and noticed numerous fraudulent accounts on my report that I did not authorize on there. An account with XXXX XXXX XXXX XXXX XXXX {$36000.00} opened XXXX ; XXXX XXXX XXXX XXXX {$15000.00} opened XXXX ; XXXX XXXX {$13000.00} opened XXXX ; XXXX XXXX XXXX  XXXX {$4400.00} opened XXXX ; XXXX XXXX {$4100.00} opened XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX {$3900.00} opened XXXX ; XXXX XXXX XXXX XXXX {$2600.00} opened XXXX ; XXXX  XXXX {$880.00} opened XXXX ; XXXX XXXX XXXX XXXXXXXX {$860.00} opened XXXX ; XXXX  XXXX XXXX {$660.00} opened XXXX ; XXXX  XXXX XXXX XXXX {$500.00} opened XXXX ; XXXX XXXXXXXX XXXXXXXX  XXXX {$440.00} opened XXXX ; XXXX XXXX XXXX XXXX. XXXX {$81.00} opened 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 2024-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have been a victim of identity theft since early XXXX and again in XXXX. I have shared documents supporting such today as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: IN

Complaint narrative:
Purchase vehicle on XX/XX/XXXX from XXXX. I put {$2000.00} dollars down on a XXXX XXXX XXXX. My first payment was on XX/XX/XXXX. I explained I was not able to get in the portal because they had my information wrong. on XX/XX/XXXX i received a phone call stating that I had to make a payment or they were picking up the vehicle. I explained my check was mailed and have not received my paycheck. I told them i was going to try and borrow the cash but may not be able too. on XX/XX/XXXX I received my check in the mail. I did not have time to cash it and make a payment. on XX/XX/XXXX approximately XXXX they came to my place of employment and repossessed the vehicle. They stated they will close the loan and i am not able to get the car back. This car reported on my credit on XX/XX/XXXX. The account was closed on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: IN

Complaint narrative:
Purchase vehicle on XX/XX/XXXX from XXXX. I put {$2000.00} dollars down on a XXXX XXXX XXXX. My first payment was on XX/XX/XXXX. I explained I was not able to get in the portal because they had my information wrong. on XX/XX/XXXX i received a phone call stating that I had to make a payment or they were picking up the vehicle. I explained my check was mailed and have not received my paycheck. I told them i was going to try and borrow the cash but may not be able too. on XX/XX/XXXX I received my check in the mail. I did not have time to cash it and make a payment. on XX/XX/XXXX approximately XXXX they came to my place of employment and repossessed the vehicle. They stated they will close the loan and i am not able to get the car back. This car reported on my credit on XX/XX/XXXX. The account was closed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: IN

Complaint narrative:
Purchase vehicle on XX/XX/XXXX from XXXX. I put {$2000.00} dollars down on a XXXX  XXXX XXXX. My first payment was on XX/XX/XXXX. I explained I was not able to get in the portal because they had my information wrong. on XX/XX/XXXX i received a phone call stating that I had to make a payment or they were picking up the vehicle. I explained my check was mailed and have not received my paycheck. I told them i was going to try and borrow the cash but may not be able too. on XX/XX/XXXX I received my check in the mail. I did not have time to cash it and make a payment. on XX/XX/XXXX approximately XXXX they came to my place of employment and repossessed the vehicle. They stated they will close the loan and i am not able to get the car back. This car reported on my credit on XX/XX/XXXX. The account was closed on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: CA

Complaint narrative:
I was a victim of identity theft and experian continues to report these erroneous accounts. Reminding me of this horror, they are totally ruining my reputation.

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 2024-10-20 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: FL

Complaint narrative:
Im filing this report against both XXXX and TransUnion for a debt on my credit report, both data furnisher keep updating a debt ( XXXX ) account number XXXX on both of my credit report. This debt was in repossession since XX/XX/year> but both agencies keep updating the debt to make it seem like it was a newly acquired debt, this is incorrect reporting and its hurting my ability to obtain credit at this time. Please see attachments below

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