vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 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: WA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CBC Companies, Inc.
State: PA

Complaint narrative:
upon knowledge that there was a breach to my credit file through the ( XXXX XXXX XXXX XXXX ) I Contacted Innovis, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, and a number of other companies to inform them that my information is held in trust and copy written as a precaution and protection from any further breaches, I mailed out complete packages of this information to the above companies asking them to cease and desist furnishing any information on me unless authorized in writing, I informed these companies that my information is also protected by law under Title 15 U.S.C 1681 ( b ) Permissible Purpose the above companies opened, then refused my certified mail to avoid liability I have taken pictures of the information in question and I'm asking as a consumer that you address these violations of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: DISCOVER BANK
State: FL

Complaint narrative:
My information was leaked several months ago, and I've had credit card applications submitted that are not from me. I've been working on my credit and have applied for credit-building programsnone of which involve any of these companies. I have submitted for this before, and it's affecting my credit significantly. 


XXXX XXXX XXXX ( XX/XX/XXXX ) - Bank Credit Card - I did not apply XXXX XXXX XXXX ( XXXX XXXX, XXXX ) - Bank Credit Card - I did not apply XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) - XXXX XXXXXXXX XXXX- I did not apply XXXX XXXX XXXX  ( XX/XX/XXXX ) - Bank Credit Cards- I did not apply XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) - Bank Credit Cards- I did not apply XXXX XXXX XXXX ( XX/XX/XXXX ) - Bank Credit Cards- I did not apply

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe that I received proper notification, please provide the certified mail letter with the return receipt with my signature on it proving I received it. If you can not provide this information then you are in violation of the fair debt collections act and must remove this charge off/collection from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: DC

Complaint narrative:
The vehicle was paid off since XXXX and it has been showing on XXXX XXXX system since XX/XX/XXXX. They illegally repossessed my vehicle and placed unauthorized charges on my credit report and I reported it to the IRS, FTC and to the CFO ; XXXX XXXX of XXXX XXXX XXXX. My vehicle is still showing paid off. I have giving this information to the Credit Bureau and it still showing on my Credit report. I am respectfully requesting the Credit Bureau to remove this inaccuracy, fraudulent, and false identity thief reporting off my credit report 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 non-monetary relief
Consumer complaint received 2024-04-30 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: DC

Complaint narrative:
The vehicle was paid off since XXXX and it has been showing on XXXX XXXX system since XX/XX/XXXX. They illegally repossessed my vehicle and placed unauthorized charges on my credit report and I reported it to the IRS, FTC and to the CFO ; XXXX XXXX of XXXX XXXX XXXX. My vehicle is still showing paid off. I have giving this information to the Credit Bureau and it still showing on my Credit report. I am respectfully requesting the Credit Bureau to remove this inaccuracy, fraudulent, and false identity thief reporting off my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
The Raymour and Flanigan Card by TD Bank has an issue with the recurring payments systems per TD Banks own admission. I had set up recurring payments on each due date of the month, and the recurring payment is showing as on and valid, when TD Bank cancelled the payment for a reason TD Bank can not explain to me. To date, the recurring payment option is enabled and showing as being made each month on the due date, however TD Bank says it is a mistake and I must login and make manual payments. The fraudulent and deceptive nature of the recurring payment being active when it is not caused me to miss my first payment in 7 years on any credit account, causing significant harm to my credit score. This deceptive and misleading situation should not be going on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
Mohela reflects inaccurate payment resumption period coming out of the COVID forebearance period. Keeps stating I am a month behind in LATE PAYMENT notices. I have already provided them the correspondence letter they provided that shows the accurate date. Now they are not even counting made payments accordingly. 

In a nutshell : -- Forebearance ended XX/XX/XXXX -- Payments resumed XX/XX/XXXX -- XXXX XXXX XXXX XXXX, XXXX Payments DUE -- ALL XXXX payments have been made -- Payments are due XXXX or XXXX of each month They keep stating that forebearance ended in XX/XX/XXXX, with payments starting in XX/XX/XXXX. In XX/XX/XXXX, the finally sent a letter acknowledging mistake, and were to update account and remove any past due balances/notifications. KEEP GETTING PAST DUE Notices and letters stating otherwise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: WA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On Approx XX/XX/XXXX, when making a payment online and checking my statement I noticed XXXX XXXX charges of {$90.00} each so I called Citi Bank to file a Fraud claim and I also put a Freeze on my account, they said they would look into it and someone would probably call me if they had any more questions. XX/XX/XXXX I got a call from Citi Bank Fraud Dept and they asked did you make these charges, some reoccurring and target purchases and some other charges which I DID NOT UNDERSTAND ( accent ) also asked If I requested a CREDIT LIMIT RAISE and I said no and then they asked If I put in for a change of address I said NO. I asked how this could be possible being that I put A FREEZE on my account and they said that they issued a new card, I told them I never received a New card. Citi Bank Fraud dept. again said they would look into it then received an email stating that my new payment on XX/XX/XXXX would be {$480.00}. until the investigation is done, which can take up to 45 days. I again called and explained my situation also told them I'm a senior on a fixed income and don't have that kind of money. They basically said too bad you have to pay this amount., until the account is resolved. On their webpage, it states you are NOT responsible for fraud charges. I can not access my account online because I closed the account, so I can not see all the charges

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 2024-04-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello on XX/XX/XXXX I submitted a request to equifax to provide information about some charge off accounts listed on my account and until this day they have yet to respond to my request to fix this. They have yet to acknowledge me request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
on XX/XX/2024 | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of thewrongperson.|

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 2024-04-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
Synchrony Bank of XXXX, Ohio continues to harass me by repeatedly making phone calls asking for payments while I have been struggling to relieve myself and trying to make the payments ASAP.

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 2024-04-30 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 am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts.

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 2024-04-30 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: DC

Complaint narrative:
The vehicle was paid off since XXXX and it has been showing on XXXX XXXX system since XX/XX/XXXX. They illegally repossessed my vehicle and placed unauthorized charges on my credit report and I reported it to the IRS, FTC and to the CFO ; XXXX XXXX of XXXX XXXX XXXX. My vehicle is still showing paid off. I have giving this information to the Credit Bureau and it still showing on my Credit report. I am respectfully requesting the Credit Bureau to remove this inaccuracy, fraudulent, and false identity thief reporting off my credit report 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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-30 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, XXXX XXXX, a consumer and a natural person, have fallen victim to identity theft. Transunion, XXXX, and XXXX have utilized and shared my consumer report without obtaining my authorization, consent, or written consent. These agencies have permitted companies to distribute my nonpublic personal information without my approval. It is essential to recognize that Congress firmly upholds a consumer 's Right to Privacy. However, Transunion, XXXX, and XXXX have infringed upon my federally protected privacy rights by failing to fulfill the requirements set by Congress to exercise their significant responsibility concerning the confidentiality of my personal data. The Fair Credit Reporting Act was established to guarantee that consumer reporting agencies carry out their substantial responsibilities with fairness, impartiality, and respect for consumers " Right to Privacy. Regrettably, Transunion, XXXX, and XXXX are currently in direct violation of both the FCRA and the Gramm-Leach-Bliley Act of 1999.

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 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I realized obtaining my credit report that i see some unauthorized inquires on Credit report. These inquires were never authorized and never gave consent written/unwritten/verbally. As a i am federally protected by the fair debt collection practices act 15 U.S.C 1681 ( b ) I am now opting out from these unauthorized inquires from credit report. As I I do not have any Credit with these banks nor any profile or accounts. Its just n the best interest of the company to remove these inquiries before any legal proceedings as I suspect IDENTITY THEFT AND SECURITIES FRAUD. PLEASE DELETE ALL INQUIRIES BELOW XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: FL

Complaint narrative:
After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize he following inquiries listed below. there were not obtained with my consent. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  - 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 non-monetary relief
Consumer complaint received 2024-04-30 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: FL

Complaint narrative:
After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize he following inquiries listed below. there were not obtained with my consent. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  - 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 non-monetary relief