vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-27 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: PA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear : TransUnion I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX  XXXX resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

18 USC 1028A establishes the offense of aggravated identity theft. This statute became law in the United States in 2004. It prohibits the use of identifying information belonging to another in two instances first, in connection with certain federal offenses and second, in relation to terrorism offenses.

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 2024-07-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX 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 instruction

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 2024-07-27 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: PA

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: FL

Complaint narrative:
I discovered unauthorized accounts on my credit report during a recent review. Kindly remove these fraudulent entries, as they are obstructing my ability to obtain credit. These accounts are unfamiliar to me. 

Name : XXXX Account Number : XXXX Opened Date : XX/XX/XXXX Balance : {$5100.00} Name : XXXX  Account Number : XXXX Opened Date : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
My credit card was assessed interest on XX/XX/year> for {$5.00} when I believed the account had a {$0.00} balance. Then, in the proceeding months interest was continued to be charged and continued past due. My credit account was then reported delinquent 30 days for XXXX, 60 days for XXXX, and 90 days for XXXX. I contacted the lender via telephone on XX/XX/year> and an interest charge fee waiver was granted for the interest charge of {$5.00} assessed on XX/XX/year>. However, the lender refuses to apply the fee waiver credit date to the date of the interest charge assessment which would cause the other interest charges on the account to be removed, and the credit reporting to be correctly reported as current.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-27 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
This is regarding American Express dispute XXXX for an XXXX order of mine where the item was damaged in transit and the merchants own carrier marked it damaged and returned to sender left with sender. Originally American Express said they were awaiting credit from the merchant then they changed it and havent resolved in my favor yet. The impartial evidence of ups tracking clearly states it was returned and left with sender. I also sent American Express photos of a live chat I had with XXXX asking them for my money back weeks ago. Apparently merchant lied to American Express and told them I didnt contact them but we caught them in their lie. American Express seems to be favoring merchant here and not closing in my favor despite ample evidence supporting it was RETURNED TO SENDER and I am owed my money back. See ups tracking XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-27 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: GA

Complaint narrative:
I sent letters to the credit bureaus regarding inaccuracies on my credit report. Despite this, my letters have been disregarded, and Ive been receiving responses claiming that I am using a third party. I have attached my ID and the letters for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: AZ

Complaint narrative:
I recently reviewed my credit report and noticed inaccuracies in the reporting of an inquiry or unauthorized access by XXXX XXXX XXXX ( Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX ) on my Experian Credit report. 
I suspect it may be related to identity theft, or unauthorized access to my personal information. I have contacted Experian and requested the remove the inaccuracy / unauthorized inquiry by XXXX. They would not remove and insisted I contact XXXX. Which I attempted to, but XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX, was a financial services company registered as a foreign limited liability company. The company was incorporated in Illinois on XX/XX/XXXX, but was dissolved on XX/XX/XXXX and there is no company anymore and no one to contact. This Experian Credit report inquiry is inaccurate or an attempt at Identity theft, and was not authorized. Consumer reporting Agencies are required to ensure the accuracy of all reported information. I demand removal of this inquiry from my credit report with Experian, which Experian refused. I also request a thorough investigation into this inquiry by a company that was dissolved in XXXX. Please have Experian remove the inaccurate inquiry!

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I pulled my report and seen some fraudulent hard inquiries on them, and I need them removed immediately.

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 2024-07-27 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: GA

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: GA

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
First of all thanks to CFPB for helping me resolve the issue where SoFi bank charged an extra student loan amount of {$25000.00}. Though SoFi took the complaint ( XXXX ) positively, a part of the issue is still pending. I'm supposed to get a refund of {$420.00} and SoFi responded to the complaint on XX/XX/XXXX that they would deliver the check within 30 days. Now, it's been more than 3 months, and still no response or status update even though I reached them earlier. I made the last call to their team of account managers about 10 days ago. The kind lady acknowledged the issue and said they would respond via email about the status within 7 days once they heard back from the concerned team. But this is back to square one and again SoFi ghosted me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-27 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a fraudulent charge on my credit card called the credit card company and disputed the charge and they sent me the new card I got the card Did Not activate it and looked online and there was a charge already on the inactivated card from the same company that I was disputing the charge on my other card They said it was on my new card as its a reoccurring charge. 
I told them it shouldve been flagged as I called them and reported that the company charging the original charge was a fraudulent charge

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 2024-07-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX 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.

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
Ally Financial, has caused unwanted marketing problem by not having a paid account loan to be removed from the credit once paid. I have experienced higher debt ratio when a paid car loan remains on the credit report. This debt ratio is used to inflated the cost of the next vehicle, because of the previous vehicle paid status. Meaning that because this information is shared with the dealership it ultimately puts you in a higher car value because you paid off the vehicle. This information should not be shared with the car dealership because it creates a debt ratio trap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I NEVER APPLIED FOR A VEHICLE LOAN FROM EXETER, This was done WITHOUT MY CONSENT! I purchased a new vehicle in XX/XX/2024 and the two financial institutes are well know the dealer uses, presently my car is being financed by the dealers finance agency. I called Exeter today, Saturday XX/XX/2024 at approximately XXXX XXXX and requested to speak to a supervisor regarding a email I recieved claiming I was denied for credit. Now again, I have NEVER applied, signed any application for EXETER to finance my car. XXXX XXXX claims the dealer sends that information out ( the dealer only uses two finance companies, one is their own and the other one is NOT EXETER. ) I asked to let me speak to someone in the legal department ( refused ). I requested any and all copies of any documentation that they can proof I authorized them to run my credit or that I had asked them for a loan ( that as well was refused. ) Now, I have a serious problem with entities that take personal information including social security numbers, runs credit on people without their CONSENT. I demanded her to provide me with her claims I authorized them and she refused. I need for this government agency to have these XXXX  to send me all documentation and to contact ALL three credit bureaus a letter stating that they were not authorized to run a hard credit on me therefore fix my credit score if indeed it lowered because of their unauthorized and illegal application without my written consent and signature. I am sick and tired of the XXXX  getting away with this behavior. I await your response with all the documentation they have on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Have filed multiple complaints last complaint I was told to contact company and have now been refunded for one item and am pending refunds for the others. I want an explanation from Synchrony on why they failed to achieve these same results as they did not properly investigate my dispute and repeatedly provided incorrect information as a means to deny my dispute. You can say you stand by your decision again but I am going to be in contact with the merchant regarding my refund and then I fully expect you to explain why your process did not yield the same results and I want a full explanation of what was done on your end as you are all in violation of my rights as a consumer to a fair resolution process

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: FL

Complaint narrative:
Long storybut someone was driving around in XXXX XXXX for nearly 2 years getting parking tickets and tool booth violations with an expired license plate with the same lettering as mine. I was getting tickets in the mail for unpaid violations. My license ended up being suspended for all of this. I have spent numerous hours contacting XXXX XXXX and Parking Enforcement and after around 6 months of back and forth I finally got someone in XXXX to help me. They found the car with same license plate as me and booted it. That person then had to surrender his plate in order to get his car back. I went to my local XXXXXXXX XXXX XXXXXXXX and put the manager on the phone with the XXXX XXXX and after a few emails the XXXX XXXX issued me a new license and said this error would be removed from my record. So now trying to add my teenager to our family car insurance and its extremely high $ $ XXXX Insurance people are telling me its so high because of my bad driving record that shows up on your clue report. I need this incorrect suspended driving license recorded removed or stricken from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
under the FCRA i am entitled to have one name and one address on my credit report. i am requesting that the name and address be reported on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX The following names and address should not be on my credit report XXXX XXXX XXXX XXXX. 
XXXX, MI. XXXX XXXX XXXX XXXX XXXX XXXX, Mi. XXXX XXXX XXXX XXXX XXXX 
XXXX, MI. XXXX Equifax has added this items to my credit report again as these items was removed before. Equifax has betrayed and harmed my credit report and fail to ensure an accurate credit report for me. 

I amseeking that all three addresses be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX XXXX, has caused unwanted marketing problem by not having a paid account loan to be removed from the credit once paid. I have experienced higher debt ratio when a paid car loan remains on the credit report. This debt ratio is used to inflated the cost of the next vehicle, because of the previous vehicle paid status. Meaning that because this information is shared with the dealership it ultimately puts you in a higher car value because you paid off the vehicle. This information should not be shared with the car dealership because it creates a debt ratio trap.

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX XXXX, has caused unwanted marketing problem by not having a paid account loan to be removed from the credit once paid. I have experienced higher debt ratio when a paid car loan remains on the credit report. This debt ratio is used to inflated the cost of the next vehicle, because of the previous vehicle paid status. Meaning that because this information is shared with the dealership it ultimately puts you in a higher car value because you paid off the vehicle. This information should not be shared with the car dealership because it creates a debt ratio trap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX, has caused unwanted marketing problem by not having a paid account loan to be removed from the credit once paid. I have experienced higher debt ratio when a paid car loan remains on the credit report. This debt ratio is used to inflated the cost of the next vehicle, because of the previous vehicle paid status. Meaning that because this information is shared with the dealership it ultimately puts you in a higher car value because you paid off the vehicle. This information should not be shared with the car dealership because it creates a debt ratio trap.

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 2024-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I submitted a cfpb complaint against Transunion on XX/XX/year> for unverifiable and inaccurate information on my consumer report. Here 's the complaint number XXXX. They did not remove this information and said it was verified however, I have reason to believe that an investigation was not conducted as these items were not deleted by Transunion but was deleted from XXXX. XXXX attached labeled " XXXX Chargeoff results ''. Additionally, upon inspecting the investigation results, I noticed that the date updated for two of the accounts did NOT change which means that they did NOT contact the furnisher to investigate this information. See attached " transunion charge off results ''. I am demanding that they comply with section 611 of the FCRA and promptly delete this inaccurate and unverifiable information from my reports.

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