vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 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: GA

Complaint narrative:
I hope this letter finds you well. I am writing to dispute a credit inquiry conducted on XX/XX/2024, related to an automotive transaction at your dealership. 

During my recent visit to XXXX XXXX XXXX XXXX XXXX did not authorize a credit inquiry beyond the terms of my prequalification offer. However, an inquiry was conducted without my explicit consent. 

To address this issue, I kindly request the following actions : XXXX of XXXX : Please provide documentation demonstrating my authorization for the credit inquiry conducted on my behalf. 

Removal of XXXX XXXX : If it is determined that the inquiry was unauthorized, I request the immediate removal of this inquiry from my credit report. 

Preventative Measures : Implement measures to ensure that all credit inquiries are conducted only with explicit customer consent in the future. 

I appreciate your prompt attention to this matter and request a resolution at your earliest convenience. Please contact me at the above-mentioned phone number or email address if you require any further information. 

Thank you for your cooperation in resolving this dispute. 

Sincerely, 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 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
This company is abysmal. First they closed my account without properly getting XXXX which is their fiduciary responsibility as a bank. Then they charged multiple penalty XXXX  fees for them closing the card. As a result of their continuous lack of business acumen. They throw my account back into the XXXX by only allowing me to pay via mail. I get a notice saying pay {$190.00} and your account is back in standing I due so. I have sent countless checks to their address and the first time they misplaced the check and didnt apply. I have sent random amounts because I have no clue what is due because they have sent a paper statement since XXXX!!!!! I emailed asking why I havent received any statements and I get nothing. I call in and the operators can barely speak XXXX or know what a penalty apr or anything! How am I supposed to operate in XXXX  when a backwards disgusting company fails to apply payments sent to their XXXX XXXX XXXX! And how am I supposed to track payments without a statement!!!!!!??? Disabling online banking because you are a XXXX should be against the law!!!!!

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 2024-06-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
Purchased vanillagift.com-branded XXXX debit product XX/XX/year>. Card was declined multiple times at online vendor using XXXX payment processing. The card was also never recognized by the company 's own website XXXX, and neither the status nor balance of the card could ever be validated. 

Called customer support XX/XX/year>. Agent attempted misdirection and misinformation about the product and its status multiple times. Eventually resorted to re-attempting both the original purchase as well as logging into XXXX for card balance query, live while on the phone with the agent. Both attempts again failed, after being assured card was now 'active '. 

Agent agreed to process a refund. Case number provide : XXXX. XXXX indicated XXXX weeks for XXXX delivery of refund check ( from XX/XX/year> ). 

Still have not received a refund ( XX/XX/year> ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Collection account on my credit report shows open account from XX/XX/year>, I did not open an account in XXXX of 2023 and i dont know the creditor. The creditor is XXXX XXXX XXXX. phone number 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 2024-06-18 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have a XXXX  credit card and XXXX of the perks is credit reporting and alerts. I received an alert yesterday XX/XX/XXXX that inquiries are made into my credit by XXXX XXXX quick Google search got my to realize this is a collector. Then I noticed XXXX other alerts on that credit report made prior to that one ( done by XXXX ) where it says that on XX/XX/XXXX there was a new loan from XXXX XXXX. I DID NOT secure any loan with this company and was shocked to see that XXXX is reporting this loan was opened on XX/XX/XXXX and then on XX/XX/XXXX seems like balance was past due so all these alerts were in my XXXX  mobile app for me to discover through. 
I called XXXX immediately they told me to dispute it online on their web site. Web site kept trying to sell me their protection plan and identity theft ( very funny I know ). 
After that I called you where I was told to freeze my credit with all XXXX bureaus which I did. Then I also learned that XXXX is the only one that is showing this loan with Affirm ( how odd ) this is suppose to be trusted agency but they run my XXXX credit score to XXXX in XXXX  months meanwhile my credit score remains at XXXX with XXXX and there is no mentioned of this loan and past due balances there. Everything that XXXX is reporting is accurate. 

Now my next call was to XXXX XXXX company where this loan apparently is coming from who said they will send me an email confirmation saying that I do not have loan with them and that loan is fraudulent. I am yet to receive that email ( guessing never ). 
That did say they apparently have all my information but wouldn't disclose any of it of course. They also gave me a case # but I don't trust this company after reading similar stories on XXXX. 
I didn't receive anything at my home address any bills any confirmations of this loan ever be made in my name or anything. All I see is this inquiries into my credit made by XXXX on their credit report which is false. 
Once I made a dispute with them I received an email saying it will take them XXXX  days to get back to me. 

At this point I do not know who to call and where to go to really know if my identity was indeed stolen or is this just some random mistake made by XXXX in credit report. 

It seems really odd to me that this XXXX company can just put this into my credit report and run my credit score into nothing without ever reaching out. What if I really needed my perfect score right now. Who gives them this much power. I was very surprised that this same company XXXX who basically decides you credit score faith has score of B- on XXXX. That is really something. 

Am I suppose to report this to police? As of right now no debt collector is after me and no mail has come to my home regarding any loans or open balances from XXXX XXXX yet XXXX is showing this information in my credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Kindly remove and block. 
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away.

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 2024-06-18 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: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: NY

Complaint narrative:
My account with XXXX  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 in XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> to be removed. 

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. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: FL

Complaint narrative:
15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : it also states a consumer reporting agency furnishes an 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 2024-06-18 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: CA

Complaint narrative:
I am filing this complaint with the CFPB to request that Experian, the credit reporting agency, block certain information on my credit report due to identity theft and fraud, as per FCRA XXXX ( XXXX U.S.C. XXXX ). 

Specifically, I want the following fraudulent accounts removed from my report : XXXX. A personal credit card account opened at XXXXXXXX XXXX  on XX/XX/XXXX, under account number [ acct # ], {$8200.00}. 
XXXX. A personal credit card account opened at XXXX on XX/XX/XXXX, under account number [ acct # ], {$710.00}. 
XXXX. A banking account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$1000.00}. 
XXXX. A personal credit card account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$5200.00}. 
XXXX. A personal credit card account opened at XXXX on XX/XX/XXXX, under account number [ acct # ], {$770.00}. 

These fraudulent accounts have led to multiple hard inquiries and collections showing up on my consumer XXXX credit report. Ive attached a list of these hard inquiries and a copy of my consumer credit report from Experian that includes these fraudulent items. 

I do not recognize any of these accounts or hard inquiries. They were not opened, made, or initiated by me and are the result of identity theft and fraud. To support my case, Ive included a copy of the FTC Identity Theft Criminal Complaint # [ report # ] that confirms all these accounts and inquiries are due to identity theft and fraud.

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 2024-06-18 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: OH

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

15 U.S.C. 1681 Section 602 A States I have rights to privacy.

15 U.S.C. 1681 section 604 A Section 2. If 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 2024-06-18 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: FL

Complaint narrative:
I found this address in my report, this is not correct information. This is my first time seeing this

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 2024-06-18 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: FL

Complaint narrative:
I found this address in my report, this is not correct information. This is my first time seeing this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Real Time Group, Inc.
State: NY

Complaint narrative:
I had a loan with XXXX XXXX XXXX company on XX/XX/XXXX. Without my knowledge or my consent the loan 's ownership was transferred to a company called XXXX XXXX. I can not find any information on this company online or anywhere else. I have never received any correspondence or documentation from XXXX XXXX. I was told XXXX XXXX XXXX continued to service this loan. The current creditor is listed as XXXX XXXX. I was informed that Real Time Resolutions is the new servicer of this loan. Real Time Resolutions has requested the letter regarding the transfer of ownership from XXXX to XXXX XXXX, as of XX/XX/XXXX RTR is still awaiting a response from XXXX XXXX. Additionally, I believe this is a time-barred debt. RealTime Resolutions just sent me a letter that there is a lien on my property. I need to see the letter notifying me of the transfer of the loan from XXXX to XXXX XXXX. My account 's current creditor is listed as XXXX XXXX ( I have no knowledge of this company ) and the account 's original creditor is listed as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX5 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: NY

Complaint narrative:
I am disputing the following accounts due to their erroneous and negative reporting, which is in direct violation of the Fair Credit Reporting Act. These inaccuracies are adversely affecting my credit report and must be corrected immediately by XXXX, XXXX, and TransUnion.

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 2024-06-18 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: NY

Complaint narrative:
I am disputing the following accounts due to their erroneous and negative reporting, which is in direct violation of the Fair Credit Reporting Act. These inaccuracies are adversely affecting my credit report and must be corrected immediately by XXXX, Equifax, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: IL

Complaint narrative:
I am filing my report to challenge and scrutinize these accounts that are incorrectly listed on my credit file. Under the Fair Credit Report Act, I am entitled to {$1000.00} per inaccurate report. I understand that FCRA 605B obliges us to report any erroneous accounts on a consumer 's report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : EQUIFAX XXXX XXXX date : XX/XX/XXXX, Account name : XXXX XXXX XXXX XXXX date : XX/XX/XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: FL

Complaint narrative:
" I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. I am distressed that you have included the information below in my consumer file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish, which is a violation of The XXXX XXXX XXXX Acts compliance procedures section, 15 USC 1681e ( b ). I contacted the Federal Trade Commission and filed a complaint which is attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are a result of fraud that I did not authorize. The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2 "

Company response to consumer: Closed with non-monetary relief