vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LendingPoint Holdings LLC
State: IL

Complaint narrative:
On XX/XX/2023, I notified LendingPoint, LLC that they made an impermissible inquiry of my XXXX Consumer Credit Report. My XXXX Consumer Credit Report, dated XX/XX/2023, lists a soft credit inquiry by LendingPoint, LLC that I did NOT authorize. 

I am in receipt of LendingPoints response letter dated XX/XX/2023 ( postmarked XX/XX/2023 ). LendingPoints communication is a nonsensical mess. LendingPoint refused to address their impermissible inquiry of my XXXX Consumer Credit Report on XX/XX/2023. Additionally, LendingPoint refused to provide any documentation showing that I authorized their inquiry. Instead, LendingPoint described an alleged investigation that they allegedly conducted regarding information that they allegedly furnished to an unnamed credit reporting agency. 

As stated in my letter dated XX/XX/2023, LendingPoints action constitutes a violation of the Fair Credit Reporting Act 604, is illegal, is injurious to my credit rating, and is an invasion of my privacy per 15 U.S.C. 1681 602 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
XXXXDisputed account but didnt remove for XXXXXXXX XXXXDisputed account but didnt remove for XXXX CreditAcpt-disputed but didntb remove for XXXXXXXX XXXX-Disputed but didnt remove for 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 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged XXXXXXXX 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 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank
State: FL

Complaint narrative:
XXXXDisputed for balance of XXXX but didn't remove XXXX XXXX Disputed for balance of XXXX but didnt remove XXXX XXXXdisputed balance for XXXX but didnt remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX-Disputed for balance of XXXX but didn't remove XXXX XXXX Disputed for balance of XXXX but didnt remove XXXX XXXX-disputed balance for XXXX but didnt remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: FirstCash, Inc.
State: CO

Complaint narrative:
*** Sub-category : approved for a loan but did not receive the money*** is not the correct category for this complaint. CFPBs complaint form auto-populates potential issues not allowing consumers to select " Other ''. This complaint is in an " Other '' category. 

This company 's location at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO is one of two locations this complaint pertains to. The second location, XXXX XXXX XXXX XXXX, is the second location. 

This complaint pertains to the following : 1. Stores not using the current, actual gold price when estimating value of gold items; misleading consumers in the valuation of their gold. 

2. Pawn brokers not researching actual values of items and instead, making subjective assessments based upon their personal likes, or dislikes, of their consumers- enabling a culture of XXXX and XXXX discrimination in pawn loan services. 

3. Pawn brokers misplacing, or stealing, customer 's property. Collateral used toward cash loans at both locations has disappeared. 

On XX/XX/23 I came to the XXXX XXXX XXXX store in XXXX XXXX to get a loan on collateral that has been used previously. I have a 100 % redemption rate which means I never intend to leave any collateral at this store ; always return and pay off my loans and interest completely. Staff has commented previously that they've never seen any customer get so much money in loans that has a 100 % redemption rate meaning, I'm honest. 

Today, XXXX, a bad pawnbroker with a track record of errors and omissions, was unfortunately the individual who approached me for help. He said " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' and then continued to make other XXXX derogatory and discriminatory comments toward me. 

Despite the value of the collateral presented, past loan on the item, and my reiterating my interest in a loan, not a sale, XXXX commented that while I intended to get a loan and pay it off to get my collateral back, that was not his plan for my item. He literally said to me " You may think you're going to come back to get your item but that's YOUR plan .... '' This is an interesting comment especially considering prior audit findings of missing items at this store. 

XXXX would not provide me with a loan. He continued to reiterated that he wanted to buy item, not give me a loan for it. 

Both this store and the XXXX XXXX location has pawn brokers who are misleading consumers in providing a fair valuation of fine jewelry based upon current gold prices. The stores do not update their daily gold price and I've witnessed several defective, out of date gold testing solution kits and diamond testers that do not work. What this means is that consumers are mislead about the actual gold content and gemstone status ie : diamond vs. CZ when these stores make an offer- always undercutting actual fair pawn value per pawn industry standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I have a police report and sent letters in regards to this matter. I have never had credit cards or an account with XXXX XXXX. This is in regards to both accounts below : I have attached a copy of my police report with XXXX police department. Police report XXXX XXXX XXXX XXXX Original credit : XXXX XXXX  account XXXX XXXX {$2900.00} XXXX XXXX XXXX Original credit : XXXX XXXX  account XXXX XXXX {$5600.00} XXXX XXXX  account XXXX XXXX {$2900.00} XXXX XXXX  account XXXX XXXX {$5600.00}

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 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, 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 DON'T RECOGNIZE THESE INQUIRES & COLLECTION ACCTS ON MY CREDIT- I NEED THESE DELETED OR REMOVED FROM MY CREDIT REPORTS ASAP!!!!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00}

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 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Someone stole my identity and purchased a car through a dealer named as XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX TX XXXX. This dealer submitted credit application to many auto loan companies for hard inquiry on XX/XX/2023 and most of them rejected due to verification problem but TD AUTO finance approved {$140000.00} of auto loan without verification with me on XX/XX/XXXX. Then, the dealer released the car after a few days and the thief picked it up. 

I contacted the dealer for the details on XXXX XXXX and I discovered that the thief used a counterfeit driver license with my name on XXXX XXXX. 
I also contacted TD auto finance fraud department and reported the identity theft issue and they confirmed they will mail the ID theft victim 's affidavit package to my address on XXXX XXXX. 

I filed the identify theft case with FTC ( IdentityTheft.gov ) for XXXX XXXX ( Dealer ) and TD Auto finance on XXXX XXXX, 2023. 
I filed a Police Report with XXXX ( CA ) Police Department on XXXX XXXX and the police report was approved on XXXX XXXX. 

Along with XXXX XXXX and TD Auto Finance, 5 more companies made hard inquiry on my credit due to this fraudulent deal on XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2023-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
1. XX/XX/23 ; Deposited XXXX Check for {$24000.00} to account my Wells Fargo savings account and another {$24000.00} to my wife 's W-F savings account. 
2. XX/XX/23, XXXX XXXX., the bank sent email telling both the savings accounts and our joint checking account have been closed. 
3. XX/XX/23 ; XXXXXXXX XXXX. W-F representative said our account at XXXX can not be verified. 
4. XX/XX/23, few minutes later I called XXXX and were told our XXXX account is fine and has sufficient balance to pay both checks. 
5. XX/XX/23 ; XXXXXXXX XXXX. Called W-F customer service center but it was closed by then. 
6. XXXX processed both checks night of XX/XX/23 XXXX, XXXX XXXX XXXX sent emailed hold alert. 
8. XXXX ; XXXX a.m. sent email saying we have- {$24000.00} balance on my wife 's account ( meaning XXXX placed two holds in stead of one ), and - XXXX balance in my account ( meaning XXXX placed three holds in stead of one ). 
9. XX/XX/23 ; made an appointment with W-F banker and saw her at XXXX XXXX. She couldn't help because fraud center won't accept her call. 

These events caused nightmares for both my wife and me and delayed our vacation. W-F customer service representative said bank can close the account without any reason. They won't give details about the phone call to XXXX. XXXX couldn't find any record of call from W-F. They admit the placed too many holds on our account but no apology or compensation. No reason for closing our joint checking account which is open for about 37 years. I believe XXXX is not truthful when saying XXXX couldn't verify our account.

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 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I have a police report and sent letters in regards to this matter. I have never had credit cards or an account with XXXX XXXX. This is in regards to both accounts below : I have attached a copy of my police report with XXXX police department. Police report XXXX XXXX XXXX XXXX Original credit : XXXX XXXX account XXXX XXXX {$2900.00} XXXX XXXX XXXX Original credit : XXXX XXXX  account XXXX XXXX {$5600.00} XXXXXXXX XXXX  account XXXX XXXX {$2900.00} XXXXXXXX XXXX  account XXXX XXXX {$5600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: WA

Complaint narrative:
On XX/XX/2022 two unauthorized atm withdrawals were taken from my account while I had my debit card with me. One for {$180.00}, the second for {$20.00}. This was after several failed attempts, I woke up to 8+ notifications of atm withdrawal attempts all for decreasing amounts until the two successful withdrawals totaling {$200.00} occurred.. This is all while I had the location services set on the banking app to always allow which the app promises as an added security feature and I was nowhere near the atm that was used to steal from my account. I contacted the bank, they did nothing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
Affirm is reporting a transaction that I didnt authorize thats effecting my credit score. 

XXXX transaction was made on XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
XXXX XXXX  disputed for balance of XXXX never removed XXXX disputed balance but didnt remove for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

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 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, 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:
I am not liable for this debt with XXXX, XXXX XXXX and XXXX XXXX. I do not have a contract with these companies and they did not provide me with the original contract as requested.

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