vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to seek the Consumer Financial Protection Bureaus assistance regarding unresolved disputes and potential legal violations by XXXX XXXX XXXX XXXX XXXX, and the U.S. Bankruptcy Court for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), concerning the incorrect reporting and handling of my personal and financial information. Despite my efforts over the past 60 days to rectify these matters, my attempts have been persistently ignored. 
Accounts and Reference Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Standards and Violations : XXXX. Fair Credit Reporting Act ( FCRA ) 15 USC 1681, Section XXXX ( a ) emphasizes the need for consumer reporting agencies like XXXX and XXXX to exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. My right to privacy has been compromised through the sharing of my information without consent. 
XXXX. 15 USC 6801 outlines the obligation of financial institutions to respect and protect the privacy and confidentiality of customer information. The entities in question have failed in this obligation. 
XXXX. 15 USC 1681, Section 604 ( a ) ( XXXX ) clearly states that consumer reporting agencies may furnish reports only under specific circumstances, including having written instructions from the consumer, which I have not provided. 
XXXX. 15 USC 6802 ( b ) ( c ) and 12 CFR 1016.7 highlight my right to opt out of such disclosures, a right that was neither respected nor clearly communicated to me. 
XXXX. 15 USC 1681C ( a ) ( XXXX ) and 15 USC 1681s2 ( A ) ( XXXX ) mandate accuracy in reporting and prohibit the furnishing of inaccurate information to consumer reporting agencies. 
XXXX. 15 USC 1681e requires consumer reporting agencies to maintain procedures that prevent violations related to inaccurate reporting, a standard that seems to have been overlooked in my case. 
Request for CFPB Intervention : Given these unresolved disputes and the apparent disregard for my rights as a consumer, I am seeking the CFPBs intervention to ensure that these entities comply with the law by correcting the inaccuracies in my records, ceasing the unauthorized sharing of my information, and adhering to the proper legal standards for consumer information reporting and privacy protection. 
Your assistance in this matter is crucial for rectifying the adverse effects on my credit report and overall financial wellbeing. I look forward to your prompt action and am hopeful for a resolution that respects my consumer rights and the integrity of my personal and financial information. 
Thank you for your attention to this important 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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to seek the Consumer Financial Protection Bureaus assistance regarding unresolved disputes and potential legal violations by XXXX XXXX XXXX XXXX XXXX, and the U.S. Bankruptcy Court for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), concerning the incorrect reporting and handling of my personal and financial information. Despite my efforts over the past 60 days to rectify these matters, my attempts have been persistently ignored. 
Accounts and Reference Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Standards and Violations : XXXX. Fair Credit Reporting Act ( FCRA ) 15 USC 1681, Section XXXX ( a ) emphasizes the need for consumer reporting agencies like Equifax and XXXX to exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. My right to privacy has been compromised through the sharing of my information without consent. 
XXXX. 15 USC 6801 outlines the obligation of financial institutions to respect and protect the privacy and confidentiality of customer information. The entities in question have failed in this obligation. 
XXXX. 15 USC 1681, Section 604 ( a ) ( XXXX ) clearly states that consumer reporting agencies may furnish reports only under specific circumstances, including having written instructions from the consumer, which I have not provided. 
XXXX. 15 USC 6802 ( b ) ( c ) and 12 CFR 1016.7 highlight my right to opt out of such disclosures, a right that was neither respected nor clearly communicated to me. 
XXXX. 15 USC 1681C ( a ) ( XXXX ) and 15 USC 1681s2 ( A ) ( XXXX ) mandate accuracy in reporting and prohibit the furnishing of inaccurate information to consumer reporting agencies. 
XXXX. 15 USC 1681e requires consumer reporting agencies to maintain procedures that prevent violations related to inaccurate reporting, a standard that seems to have been overlooked in my case. 
Request for CFPB Intervention : Given these unresolved disputes and the apparent disregard for my rights as a consumer, I am seeking the CFPBs intervention to ensure that these entities comply with the law by correcting the inaccuracies in my records, ceasing the unauthorized sharing of my information, and adhering to the proper legal standards for consumer information reporting and privacy protection. 
Your assistance in this matter is crucial for rectifying the adverse effects on my credit report and overall financial wellbeing. I look forward to your prompt action and am hopeful for a resolution that respects my consumer rights and the integrity of my personal and financial information. 
Thank you for your attention to this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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:
This is among several complaints I've filed as a victim of identity theft. I'm disputing specific accounts in my file that stem from this crime. The account in question has no association with any transactions for goods, services, or money that I've authorized or made. It's entirely unfamiliar to me. Additionally, some information provided on certain accounts has been removed from other bureaus, raising doubts about its accuracy. The reported payment history on some accounts is also unclear to me. I request that any information in my credit file resulting from alleged identity theft be blocked from reporting. 
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 non-monetary relief
Consumer complaint received 2024-03-24 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:
This is among several complaints I've filed as a victim of identity theft. I'm disputing specific accounts in my file that stem from this crime. The account in question has no association with any transactions for goods, services, or money that I've authorized or made. It's entirely unfamiliar to me. Additionally, some information provided on certain accounts has been removed from other bureaus, raising doubts about its accuracy. The reported payment history on some accounts is also unclear to me. I request that any information in my credit file resulting from alleged identity theft be blocked from reporting. 
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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
I signed up for a music funding program with XXXX XXXX last year. However, AFTER signing up for the funding services, the only funding options are for business loans and no business grants ( which is the ONLY type of funding I am interested in as it relates to funding my music business ). 

To misrepresent the type of funding your program offers XXXX XXXX it known that you are only providing services for business XXXX XXXX is misleading to business owners ( especially when they utilize Affirm ( per their request ) to apply for funding for the program. 

Both Affirm and XXXX XXXX are committing fraud by misleading the consumer in order to make a profit off of them- very unethical business practices on both of theor parts. 

I want this XXXX looked into AND a full refund of the payments that have been debited from my account to date. 

You CAN NOT mislead potential clients in order to getoney out of them and I'll be filing additional complaints other Federal agencies as well to make them aware of the scam Affirm and XXXX XXXX are running.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: WA

Complaint narrative:
DESPITE MY PERSISTENT EFFORTS TO CONTEST THE INACCURACIES IN THE INFORMATION REPORTING IN EXPERIAN THE ISSUE REMAINS UNRESOLVED AS TO DATE. 

XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 U.S.C. 1681i Paragraph ( XXXX ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete/update the status. 
XXXX XXXX XXXX XXXX XXXX Please update this inaccurate information on my credit report. 
XXXX. XXXX XXXXUnder 15 U.S.C. 1681i Paragraph ( XXXX ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete/update the status. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update it 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 2024-03-24 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:
It has been several months since my last credit report review, and I've found that some information remains inaccurate. Both Experian and XXXX credit bureaus are required to verify this item under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). Deeming this reported item as unverified without presenting evidence within the legal timeframe is unacceptable. I request an immediate investigation into the unverifiable item and its prompt update in my report, in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). 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 2024-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received in the mail a Capital One XXXX Credit Card, which I do not have an account for, nor did I submit an application for. Upon receipt of this card, I called Capital One Customer service to alert them of the fraudulant activity and account. They have placed a " hold '' on my account and are opening an investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 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: NY

Complaint narrative:
I recently checked my transunion credit report and noticed some incorrect information on my credit report. There are a total of XXXX inquiries thats being reported on my credit file that I found to be incorrect. I believe someone used my personal information to apply for credit. 

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 non-monetary relief
Consumer complaint received 2024-03-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
It has been several months since my last credit report review, and I've found that some information remains inaccurate. Both XXXX and Equifax credit bureaus are required to verify this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Deeming this reported item as unverified without presenting evidence within the legal timeframe is unacceptable. I request an immediate investigation into the unverifiable item and its prompt update in my report, in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has lost my XXXX XXXX for 2021 XXXX : I currently have a credit card with Wells we Fargo. I closed my mortgage with them in XXXX of 2021. According to Wells Fargo XXXX Department my XXXX  XXXX for taxes should still be online but its not Wells Fargo also lost a document critical to maintaining my mortgage which is why I no longer have my mortgage or my checking account with them. I kept the credit card expressly for making sure my records didnt PREMATURELY disappear but they did anyway For days, nobody I called could locate proof that my mortgage existed. Now Ive been waiting for my 2021 XXXX  XXXX WHICH STATES how much interest I paid Wells Fargo in 2021. 

The email Wells Fargo sent me regarding my 2021 form connects to nothing I need that form XXXX for account number XXXX. This is the account number on the previous years 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 2024-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TX

Complaint narrative:
My account was XXXX  and my funds werent spent out of my account after disputing and emailing of my necessary documents to the company a partial payment of XXXX was released and shortly after my account was frozen Ive been trying to contact the company I've been Adamantly working the phone and e-mail attempting to gain access to my funds at credit karma. It's been XXXX hours now. I have heaps of case numbers, tons of promises from their reps that the escalated dept. will email me within hours, sometimes they promise minutes, l 've been promised my account to be unlocked twice just 'as soon as this call ends Ive never received a email saying my account was being frozen please assist I have a XXXX year old to provide for and im currently with food, gas and necessities because my funds are being held this absurd

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony Bank XXXX XXXX XXXX, XXXX, XXXX  XXXX Dear sir, I have received an email from your company, Synchrony Bank branch addressed XXXX XXXX XXXX, XXXX, XXXX  XXXX on some inquiry about a sales receipt ( s ). Since I have not sent any request or inquiry on a sales receipt ( s ), your company must have received somebody who claim himself/herself, XXXX XXXX , and tried to get some personal information, purchase history ; therefore, I request you will investigate this matter and give me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 

Sincerely,

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 2024-03-24 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: WI

Complaint narrative:
I looked at my report back on XXXX XXXX, 2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts 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, are not complete and accurate. 

XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is more than XXXX years old and is not accurate XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is more then XXXX yrs old and is not accurate XXXX XXXX XXXX open date is not reporting correctly, account number, date last active, date of last payment is not correct, this account is not accurate XXXX  XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX  ( Original Creditor : XXXX XXXX ) XXXX open date is not reporting correctly, account number, date last active, date of last payment is not correct, this account is not accurate

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 2024-03-24 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: NY

Complaint narrative:
I recently checked my transunion credit report and noticed some incorrect information on my credit report. There are a total of XXXX inquiries thats being reported on my credit file that I found to be incorrect. I believe someone used my personal information to apply for credit. 

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 2024-03-24 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-03-24 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief