vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 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: IN

Complaint narrative:
I am writing to formally dispute an unauthorized credit inquiry on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, credit reporting agencies are required to ensure that consumer reports are furnished only for permissible purposes, and only with the explicit consent of the consumer in certain cases. Upon reviewing my credit report, I noticed the following unauthorized inquiry : Creditor/Company Name : [ Transunion ] I did not authorize this inquiry, nor did I provide written consent for [ Flex ] to access my credit information. Therefore, this inquiry constitutes a violation of my rights under the FCRA. I kindly request the following actions : 1. Immediate removal of the unauthorized inquiry from my credit report. 2. Verification documentation : If the inquiry is deemed valid, please provide proof that I authorized the inquiry, including any written consent obtained. Please consider this a formal dispute under the FCRA. Thank you for your prompt attention to this matter. I look forward to your response.

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 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-12-05 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: OH

Complaint narrative:
THESE Companies ( XXXX  XXXX ), ( XXXX ) has reported late payments & collections of no knowledge and theyve not under the FCRA Section 609 ( a ) ( 1 ) ( A ) that credit reporting agencies must physically verify the original signed consumer contract for every account theyve included into my credit report. Ive yet to see that and have not gotten anything of any sort. Ive kids and I am ill.

Also XXXX  show XXXX  different agencies that dont even make sense my information was sold I do t even know or understand who these people are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: OH

Complaint narrative:
THESE Companies ( XXXX  XXXX ), ( XXXXXXXX  ) has reported late payments & collections of no knowledge and theyve not under the FCRA Section 609 ( a ) ( 1 ) ( A ) that credit reporting agencies must physically verify the original signed consumer contract for every account theyve included into my credit report. Ive yet to see that and have not gotten anything of any sort. Ive kids and I am ill. 
Also mobile show 2 different agencies that dont even make sense my information was sold I do t even know or understand who these people are.

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 2024-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: MT

Complaint narrative:
Financed a XXXX XXXX XXXX through mountain America credit union in XXXX of XXXX. We have not received a title yet. They said that they had lost the title. We have been sent not once but twice documents to file a lost title and get a new one. They lost the first set of paper work that we sent and received the second set. We have called over 20 times to see where our title is and how to get one. They say they are going to call back and never do. I am sick of paying on something I dont even have a title for, or even legally drive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report Dear CFPB, I am writing to formally dispute the reporting of late payments associated with the above-referenced account on my credit report. Upon reviewing my credit reports from TransUnion, XXXX, and XXXX, I identified discrepancies that are both inaccurate and harmful to my credit standing. The late payments reported are not reflective of my actual payment history. Specifically : TransUnion and XXXX reported three 30-day late payments for XXXX, XXXX, and XX/XX/XXXX, while XXXX shows no reported late payments for this account. 
XXXX removed one late payment upon a previous dispute, and XXXX has now updated the account to reflect " none reported. '' Reason for Dispute : The reported late payments for XXXX, XXXX, and XX/XX/XXXX do not align with my records. Based on my financial documentation and bank statements, all payments for this account were made on time and as agreed. 
Violation of the FCRA : Pursuant to the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : Consumer reports must not contain inaccurate information about transactions or experiences.

15 USC 1681i ( a ) ( 7 ) : Upon request, you are required to provide a detailed description of the procedures used in your investigation of the disputed information. 
Action Requested : Investigate this account and update all late payments for XXXX, XXXX, and XX/XX/XXXX to reflect a status of Paid As Agreed, Never Late. 
Provide a description of the investigation process and evidence used to verify the accuracy of the reported information. 
Remove any negative notations associated with the late payments on this account. 
If you can not verify the late payments, please provide the procedures and evidence used for the verification. Failure to provide this information within the legally mandated timeframe will be considered a violation of the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 
I expect a written response within 30 days from the receipt of this letter. Thank you for your prompt attention to this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2024-12-05 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: LA

Complaint narrative:
These inquiries appear to have been made without my authorization and may be fraudulent. Please address this matter immediately, referring to the attached documents for clarification.

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 2024-12-05 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: LA

Complaint narrative:
These inquiries appear to have been made without my authorization and may be fraudulent. Please address this matter immediately, referring to the attached documents for clarification.

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 2024-12-05 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: DISCOVER BANK
State: NY

Complaint narrative:
Subject : Response to Debt Collection Inquiry Dear Discover Executive Office of Customer Advocacy, Thank you for your correspondence regarding my account. I appreciate your attention to this matter. 

However, I must clarify that I am no longer available to pay this debt because it has been classified as cancelled debt. As such, it is my understanding that you can not continue to pursue collection efforts for this account. and stop reporting this debt on my credit report and stop reported this account as disputed. 

Recent correspondence. I would like to clarify that I did not agree to the Cardmember Agreement associated with the account you claimed opened on XX/XX/year>. And that you attached an agreement document on my last complaint which is not an accurate. and I did not agree to those terms and conditions..I Need more details to verify. Again, I did not accept that Agreement " if you do not cancel your Account within 30 days after receiving a Card ''. And, I did not also accept that Agreement " if you or an Authorized User use the Account. 

In light of this, I kindly request that you provide me with validation of this debt, including any documentation statements, account number, log in information, etc, that supports your claims regarding the account and its opening. This information is necessary for me to understand the basis of the debt and to ensure that all records are accurate. 

I request that you cease all collection activities related to this account number XXXX and update your records accordingly. If you require any additional information or documentation to support my position, please let me know. 

Thank you for your understanding, and I look forward to resolving this matter promptly. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sezzle Inc.
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding Sezzles mishandling of a transaction I attempted to complete and its lack of clear disclosures about limitations when using their one-time use virtual card. 

On XX/XX/year>, I selected Sezzles one-time use virtual card to book flights through XXXX. I attempted to book flights with both XXXX XXXX and XXXX XXXX in a single transaction. However, the transaction failed, with a message stating that the card issuer ( Sezzle ) canceled the transaction. 

Upon checking my Sezzle account, I saw a pending transaction for the XXXX XXXX flight only, despite receiving cancellation notices for both XXXX XXXX and XXXX. I contacted Sezzle to address the issue and provided evidence showing that XXXX XXXX confirmed the transaction was canceled because Sezzles card declined it. Despite this, Sezzle insists I must wait for the order to either be fulfilled or canceled before they release the funds, even though the transaction is no longer valid. 

Furthermore, this situation caused a hold on the first payment of the funds in my bank account, resulting in an overdraft as I had to rebook my trip elsewhere. Sezzles failure to release the funds promptly has caused unnecessary financial hardship. 

Additionally, I discovered through this experience that Sezzles system does not properly support booking multiple airlines through platforms like XXXX. Their system treats the entire multi-airline booking as a single transaction but only processes or approves one airline, leading to failed transactions and confusion. This critical limitation is not disclosed to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: ND

Complaint narrative:
I am filing a complaint against IC Systems Inc. for their failure to comply with federal laws under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they have violated 15 USC 1692 ( g ) by failing to validate the alleged debt despite my request. They have also failed to adhere to 15 USC 1692c by continuing communication after I instructed them to cease all contact.

IC Systems Inc.s actions have negatively impacted my financial standing, housing opportunities, and transportation needs. Their unauthorized and persistent communication, including inaccurate consumer reporting, has caused significant emotional distress and financial hardship.

I demand that IC Systems Inc. immediately cease and desist all communications, including reporting to credit bureaus. Additionally, I demand acknowledgment of this complaint within 10 days and written confirmation that they will comply with my demands. Failure to do so will result in further legal action to protect my rights and seek remedies for the harm caused.

I request the CFPB investigate this matter thoroughly and hold IC Systems Inc. accountable for their violations.

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 2024-12-05 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.

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: WI

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2024-12-05 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:
This morning, I discovered mistakes on my credit report, and Im utterly confused and desperate for answers. Ive always kept an eye on my report, and everything was fine until now. Suddenly, these inaccuracies appeared, and I dont know why. I even refreshed my browser, hoping it was a temporary issue, but the mistakes didnt go away. I feel powerless and need you to carefully examine the documents Ive provided. I just want to stop feeling so helpless about this situation.

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 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-12-05 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: VA

Complaint narrative:
TransUnion Consumer Solutions XXXX XXXXXXXX XXXX XXXXXXXX, XXXX  XXXX Re : IMMEDIATE BLOCK REQUIRED - Fraudulent Hard Inquiries - Identity Theft Victim XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX Social Security Number : XXXX Hello : I am writing regarding fraudulent hard inquiries appearing on my TransUnion credit report. Pursuant to 15 U.S.C. 1681c-2, you are required to block all information identified as resulting from identity theft within 4 business days after receiving an identity theft report, and a statement that the information is not from transactions I conducted. 

The following fraudulent hard inquiries XXXX  XXXX  services XXXX XXXX, XXXX XXXX services XXXX XXXX must be blocked from my credit report within 4 business days : I hereby state that these inquiries are fraudulent and did not result from any transactions I conducted. They violate 15 U.S.C. 1681b, which requires permissible purpose for accessing consumer credit information.

Under 15 U.S.C. 1681c-2, you must : Block the reporting of this information within 4 business days Notify the furnishers of the information that it may be the result of identity theft Failure to comply with the 4-business-day blocking requirement will result in legal action for actual and statutory damages under 15 U.S.C. 1681n and 1681o, including potential punitive damages and attorney fees.

Please send written confirmation of the blocking of these fraudulent inquiries within 4 business days. 
Sincerely, XXXX XXXX Enclosures : FTC 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 2024-12-05 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: SLM CORPORATION
State: IL

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights 15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1666B A creditor may not treat a payment on a credit card account under an open end credit plan as late for and purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation