vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 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: DE

Complaint narrative:
Inquiry is not authorized i never talk with these companies during the said time.

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 2024-11-08 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: GA

Complaint narrative:
This was a pay in XXXX, 0 % interest installment plan. The original creditor is not XXXX, it is XXXX XXXX  based on the loan documents I am seeing. Original loan amount was not {$430.00} as they are reporting, it was {$370.00}. I used a coupon, not sure why they added it to the balance since the merchant never charged {$430.00}. Date opened was not XX/XX/year>, it was before. The coupon and used loan amount was notated as a credit to my account instead of updating the loan terms. That adjustment was made before the first payment was due and it technically shows as a payment. This was very confusing to me when it came time to make payments. On their website it clearly states that pay in XXXX payment plans do not hurt your credit score so they confuse you by offering pay in XXXX pay in XXXX loans and quietly labeling them as installment plans to be able to report incorrect information to the credit bureaus.

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 2024-11-08 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: FL

Complaint narrative:
I arrived at this dealer and found out about the bad practices they are doing. First, they didn't tell me that the car had XXXX accidents, I had many mechanical problems and I gave it up voluntarily. They sold me an overpriced vehicle. Now they are charging me a sum of {$16000.00}. This account is XXXX XXXX account number XXXX. This problem is destroying my credit and my finances, as well as my family. I have been a victim of fraud and deceptive practices, lying and theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: NY

Complaint narrative:
I am writing to notify you that I am a victim of a recent data breach and request that the following fraudulent accounts be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 XXXXXXXX I looked at my Transunion credit report on XX/XX/year> 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 generally, after any reinvestigation under paragraph ( 1 ) 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 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 2024-11-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Meritize Financial Inc.
State: OH

Complaint narrative:
My issues are with the school. I had tried to apply for the federal loan forgiveness since I didnt know Meritize was a private loan and they directed me to you. XXXX school is under XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The staff falsely advertised their programs to me. I had told them I was interested in illustration and they, XXXX XXXX promised their school would aid me with my dreams. A lie used to get me to enroll. I had tried to XXXX XXXX within the first month, but a teacher had told me to keep going. So after the first block, which was three months, I tried to XXXX XXXX again and was met with more lies from the staff at the school. Their withdrawal policy and refund policy stated I would get a refund with a percentage, which depended on how far I was into the program. An 18 month program I was just pushing XXXX months into, by the way. And they told me, which went against their refund policy, that I would be responsible for the entire loan. I got nothing in return, in the end. 
They continued to push me to re-enroll into the school, claiming itd help me more financially. They were aggressive in their emails and pushy when I was consulting in my parents and a lawyer before signing any of their documents further. I had told them their course, and the stress is caused me, had made me extremely ill physically and mentally, which was met with silence. I had developed XXXX  XXXX, which I continue to deal with, and became sick during the months I attended. My loan amount is now XXXX, but from viewing my credits and the tuition I used, I was responsible for around XXXX of the tuition. I am paying for programs and technology, possibly even living costs that I never used. My mother had called XXXX before I enrolled and told him I wouldnt be able to move to Florida for the months my program required me to. We were under false belief that it would be okay if I did not. We tried living there and lost thousands of dollars and couldnt afford anything else. I hardly make enough now to pay for this loan and wont ever be able to support myself in life or pursue another education as long as this loan continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: CA

Complaint narrative:
XXXX, XXXX and Trans Union are reporting is reporting XXXX accounts that Have a cease communication per 15 USC 1692c in order which the debt collector has been notified about, and has agreed to stop all forms of communicating through all mediums which include reporting on my consumer report. Further more Trans Union, and XXXX, XXXX is still reporting the upgrade accounts inaccurately and has refused to remove the same accounts from my consumer report. 

Attached is proof from the debt collector they will no longer contact me, and close the accounts. I need to make sure XXXX, Trans union, and XXXX remove the XXXX accounts immediately from my consumer report

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 2024-11-08 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: TX

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of accounts on my credit report that were fraudulently created as a result of a recent data breach. As a victim of identity theft, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these unauthorized items permanently removed from my report. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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:
Account name : XXXX XXXX XXXX I am writing to formally dispute the late payment ( XXXX ) reported on my credit report for my account XXXX. According to my records, the following late payment ( XXXX ) were reported for the months of XX/XX/year>, XX/XX/year> and XX/XX/year>. I kindly request that you provide verification of these late payments, including any documentation that proves I was late during these months. If you are unable to provide this evidence, I ask that you either update the late payment status or remove the account from my credit report entirely. Please respond to this request within 30 days, as I am committed to ensuring the accuracy of my credit report. Thank you for your prompt attention to 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 2024-11-09 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: MI

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report 1 fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent account consist of a personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/year> under the account number XXXX This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: TX

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of accounts on my credit report that were fraudulently created as a result of a recent data breach. As a victim of identity theft, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these unauthorized items permanently removed from my report. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

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 explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Tried to apply for a credit card in different banks, but got declined

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: NY

Complaint narrative:
I find accounts in my reports that are not mine and are mixed with someone else.

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 2024-11-08 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: TX

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/year> I went to the XXXX XXXX of Bank of America in XXXX XXXX to deposit a check I had received from the State of Massachusetts Treasurer. I had been out of the country for 9 months and had received the check on XX/XX/year>. I approached a teller and asked them to deposit my check. Since the check was for an amount over some internal threshold, they asked for a secondary verification, which I was fine with. 

The verifier told me that because the check was more than 6 months old their policy was not to honor the check and denied me service. I went home and looked up their policy on their website which is to not honor personal checks that are more than 6 months old unless denoted otherwise on the check itself. This was a government-issued check. Moreover, the State of Massachusetts is clear on their policy about their checks being honored up to one year and have codified it into law : XXXX XXXX XXXX My complaint is that they misapplied their policy and denied me service as well as not attempting to understand the policy of the check issuer at hand. At no point did they stop to consider that their position might be wrong and that their guidance for me to get the check reissued was necessary.

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 2024-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is attempting to garnish wages after the debt was confirmed as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: AK

Complaint narrative:
I moved out of an apartment run by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the lease terminated XX/XX/2024. At the time the lease ended, all balances to the landlord agency were confirmed to be paid. On XX/XX/2024 I received a text from landlord agency stating I had an unpaid balance and would be sent to collections. I requested clarification and statements and was told they would get back in touch with me. Apparently after the end of my lease additional utilities charges were added of roughly {$110.00} but I was never informed. I continued speaking with the landlord agency wanting to dispute charges because in XXXX the law requires an itemized bill within XXXX days of moving out which I never received, and the agency said the would look into it and get back to me, but they never did. On XX/XX/2024 I was again threatened with the bill being sent to collections. I did not want to deal with that, so I paid the bill the next day because I needed my account unlocked in order to pay, and received a statement showing it was paid. A collections account was then opened, either the same day or shortly after but I dont know when exactly, with XXXX XXXX XXXX for the bill I already paid. XXXX XXXX will not close the account or stop reporting the debt despite the efforts I have made since, and the original landlord agency will not talk to me. XXXX XXXX claims that the debt has to be paid to them, or for a larger amount they can dispute the debt with transition or equivalent on my behalf. Me providing statements showing the debt was paid before it was sent to XXXX XXXX did nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$4700.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$33000.00} XXXX  - XXXX - XX/XX/XXXX - {$5000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2600.00}

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