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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: FL

Complaint narrative:
I was alarmed to discover that my credit report has been misused, with applications made in my name and companies accessing my credit report without my consent or authorization. I do not recognize these fraudulent inquiries, nor did I ever apply for or approve them. This blatant violation of my rights as a consumer is deeply troubling and unacceptable, especially as a law-abiding individual. The situation is both distressing and insulting, and it has left me feeling frustrated and powerless.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Per the attached screenshot, I discovered on XXXX that my score back on XXXX decreased by XXXX pts XXXX Experian took me off their XXXX program XXXX allegedly my address changed with my XXXX XXXX. Nothing has changed with XXXXXXXX XXXX XXXX Experian, however, Experian shows physical & Mailing address on my credit report which is correct but the address with my bank is still the XXXX XXXX XXXX Experian also has. I tried to fix online with Experian & got a message my bank needs to contact Experian. I never received any notification from Experian this would have occurred and I'm trying to get a mortgage loan to buy a house.

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 2024-12-07 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: FlexShopper, Inc
State: MD

Complaint narrative:
I entered into a lease to own agreement with Flexshopper on XX/XX/year> to purchase tires and was sent a lease agreement to sign so the tire shop could order my tires for install on XX/XX/year>. After the work was complete and my account was finalized i called in to sign up for the early payment options. after the agent had me go over the contract i seen that the cash price was different from what the invoice from the merchant stated and asked for clarification. Flexshopper agent said my cash price did not include sales taxes but i let him know and he had me email the receipt to XXXX and he said he does see the difference and told me to hold on. The call was disconnected so i called back and spoke with the same representative and advised him i was recording the call just as well as he was and he advised me that they charge taxes on the cash price and i stated that is against the law because i was already charged sales tax on the cash price according to the invoice from the merchant. I entered into a XXXX way call between the merchant XXXX XXXX and flexshopper to rectify this issue and there was still no resolution and asked to speak to a supervisor. The supervisor gets on the call and tells me the merchant did not charge taxes and there is a {$50.00} fee added to the cash price which is not listed anywhere in the contract for using their services. Had i been made aware of this fee i would of never entered into this agreement because i was never made aware of this fee in any part of the transaction until the services were rendered and first payment was already made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: FL

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : XXXX. Name : My current legal name is Name : XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 
XXXX. Also Known As : XXXX  XXXX. Date of Birth : XX/XX/year> Update this information. 
XXXX. Address : My current residential address isXXXX XXXX XXXX XXXX, OH XXXX. I request that my current address be updated accordingly. 
XXXX. Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX. Employers : XXXX XXXX XXXX, be updated as my primary employer.

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: MI

Complaint narrative:
XXXX  is still my student loans on my XXXX credit report. These tradelines are supposed to be removed completely due to the lawsuit XXXXXXXX XXXX XXXXXXXX borrower defense which these loans are under this lawsuit. XXXX  continues to violate the settlement of the lawsuit and they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, and I hope this message finds you well. Ive noticed incorrect information on my credit report, and its become a significant concern for me. These errors are jeopardizing my financial stability and hindering my ability to move forward, as my credit applications are being unfairly denied due to these inaccuracies. The stress this situation has caused is overwhelming.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 reported to be removed/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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I received a Vanilla Visa gift card as a gift from family friends. It was loaded with {$200.00} on XXXX I used it one time for {$12.00} on XXXX  at an amusement park and then never again. When I tried to use it months later, it declined and after checking the funds, the other XXXX  mysteriously went into random transactions in XXXX  with purchases at target and another place that I had not made. I emailed their customer service and went back and forth with them for some time with no actual help and by the end of it, none of my money was refunded. I forgot about it for some time but now that Ive found this card again I would like still like something to be done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. This account was charged off on the following dates : XX/XX/scrub>XXXX  and XXXX Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charge off account should NOT include an active payments history. This inaccurate information falsely manipulates the states of limitations of Fair Credit Reporting Act. Its is my understanding that you reinvestigate this account properly and see its violated my rights. I am demanding a deletion of the following XXXX and # 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 2024-12-07 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: AL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 2024-12-07 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: AL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 explanation
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: American Credit Acceptance, LLC
State: FL

Complaint narrative:
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 XXXXXX/XX/year> Dear credit bureaus XXXX XXXX, XXXX, XXXX ) I would like for these unauthorized inquiries to be removed from my credit profile I have no accounts whatsoever attached to the inquiries therefore they shouldnt be hindering my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: FL

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2024-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, I transferred XXXX XXXX to Coinbase from my XXXX account. In the end of XXXX / beginning of XXXX, I noticed that my account was restricted ( can not buy or sell XXXX on Coinbase and can not move my XXXX out of Coinbase ) and I have a payment pending. I have provided the information requested when verifying my identity but the restriction is still in place. I called customer service and they were not able to advise on next steps. Relevant case numbers XXXX ( closed, dated XX/XX/XXXX ) and XXXX ( open, dated XX/XX/XXXX ). Now when I try to reach out to customer service, there is always a 4 hour wait time. As of today, it is XX/XX/XXXX and it has been about a month with no resolution. Please advise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-07 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. This account was charged off on the following dates : XX/XX/year> and XX/XX/year>. Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charge off account should NOT include an active payments history. This inaccurate information falsely manipulates the states of limitations of Fair Credit Reporting Act. Its is my understanding that you reinvestigate this account properly and see its violated my rights. I am demanding a deletion of the following account:XXXX  and # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: VA

Complaint narrative:
I am writing to formally dispute the following inaccurate information on my credit report, which I believe violates the provisions outlined under 15 U.S. Code 1681e, which requires that information reported be accurate and complete. Account : XXXX XXXX XXXX XXXX XXXX, Account No. XXXX, Address, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, the credit bureas failed to provide supporting documents of the payment history and recent details on the account. I will take legal account that you have jeopardize my credit worth. If you can not verify the information I requested that you update this account to reflect positive standing or remove this account within the mandatory 30 days

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