vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-20 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: PA

Complaint narrative:
TransUnion, XXXX and XXXX have failed to investigate and provide investigation results after my most recent dispute regarding unauthorized and fraudulent Inquires that are appearing on my credit file. XXXX day i had XXXX inquiries and the next day i had XXXX inquires that all came from auto loan attempts. I have a car so why are these inquiries popping up on my report? I wrote each agency requesting an investigation on my report due to fraudulent inquiries that i 100 % did not personally apply for and they all have failed to respond. I demand to see the " Consumer Contract bearing my WET SIGNATURE '' to verify and validate these fraudulent inquiries that are negatively impacting my credit file in a major way. As the consumer, it is my right to request an investigation when items are not correct, true or verified to belong to me and these agencies are clearly ignoring my request. I will now hold each agency liable up to {$1000.00} per violation if this is how you allow them to operate. The reporting of inquiries that have not been verified is a violation of my consumer and demand all inquiries be removed that you can not provide documentation of proof for. I want all accounts and inquiries that are not metro2 compliant removed, corrected and updated immediately due to their to respond and investigate in the first place. thank you

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 2022-10-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX, XXXX and Equifax have failed to investigate and provide investigation results after my most recent dispute regarding unauthorized and fraudulent Inquires that are appearing on my credit file. XXXX day i had XXXX inquiries and the next day i had XXXX inquires that all came from auto loan attempts. I have a car so why are these inquiries popping up on my report? I wrote each agency requesting an investigation on my report due to fraudulent inquiries that i 100 % did not personally apply for and they all have failed to respond. I demand to see the " Consumer Contract bearing my WET SIGNATURE '' to verify and validate these fraudulent inquiries that are negatively impacting my credit file in a major way. As the consumer, it is my right to request an investigation when items are not correct, true or verified to belong to me and these agencies are clearly ignoring my request. I will now hold each agency liable up to {$1000.00} per violation if this is how you allow them to operate. The reporting of inquiries that have not been verified is a violation of my consumer and demand all inquiries be removed that you can not provide documentation of proof for. I want all accounts and inquiries that are not metro2 compliant removed, corrected and updated immediately due to their to respond and investigate in the first place. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the listed accounts below : 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 2022-10-20 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: OH

Complaint narrative:
The fraudulent inquiries that was not authorized by me has caused a hard inquiry on my Credit score

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 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc.
State: TX

Complaint narrative:
I settled account with Conns Appliances in XX/XX/2022 for {$3000.00}. I have received 2 settlement in full letters from XXXX XXXX XXXXXXXX stating the account is closed and payment was received. One letter received in XX/XX/2022 and one in XX/XX/2022. However, the Conns Appliance is still reporting that the {$3000.00} was applied to the balance and I still owe. It says that I have been past due since XXXX. I have contacted Conns Appliances ( refers me to XXXX ), XXXX ( doesnt return calls or answer phone ), & XXXX XXXX XXXX ( stats that Conns is responsible for reporting and they have sent receipt over ) multiples times and it has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: CO

Complaint narrative:
On XX/XX/XXXX, I contacted Experian, XXXX, and XXXX representatives concerning the likelihood of false accounts being established using my customer data. I implored everyone to delete these accounts since I had no idea how they got there. All three firms advised me on how to keep track of things and complete an FTC form. I sent my information on XX/XX/XXXX. Even though I had filed my letters more than 30 days previously since they had been " verified, '' the accounts that were not mine were still shown in my documentation. This situation bothers and concerns me because it inhibits my family and me from purchasing a property. On XX/XX/XXXX, I called the three firms again to inquire about how they could certify that these accounts belonged to me. They told me to contact the debt collectors directly because they couldn't help me any further. Every bank that the client dialed at the same time and forwarded to me had been dialed incorrectly ; they had no idea who I was or what the accounts were about. An online verification was completed to ensure that I had not made a mistake. My buddies advised me to visit the CFPB website. I'm hoping this works because my family and I desperately need the house we're trying to buy.

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 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
Please help with rectifying the late payment on each of my XXXX accounts I have with United Wholesale Mortgage. I slightly remember there being some sort of technical issue with online banking when trying to make the payment in XXXX. I thought I had submitted the payments but according to my credit reporting it says otherwise. I looked at my bank statement in XXXX and it shows that payment was made on XX/XX/2022 to both accounts. Please see attached statement. I had full intent to pay and have many mortgages with UWM and plan to have more in the future. As a one time courtesy and out of goodwill, I graciously ask UWM to help me resolve this matter by removing both late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX, XXXX. XXXX 15 USC 1681 Section 602 8 states I have the right to privacy 15 USC 1681 Section 604 a Section 2 also states that a consumer reporting agency can not furnish your account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: AZ

Complaint narrative:
I am unable to communicate to XXXX, XXXX, transunion and XXXX about inaccuracies on my credit report. The information is inaccurate and damaging me financially. The above listed companies do not have a way to be contacted. The slanderous and defamatory information is harming me financially. These above listed corporations are violating my civil rights.

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 2022-10-20 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: AZ

Complaint narrative:
I am unable to communicate to experian, XXXX, XXXX and XXXX about inaccuracies on my credit report. The information is inaccurate and damaging me financially. The above listed companies do not have a way to be contacted. The slanderous and defamatory information is harming me financially. These above listed corporations are violating my civil rights.

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 2022-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: WI

Complaint narrative:
I have been given a final bill credit from XXXX XXXX XXXX for {$75.00} via prepaid debit card. I have received bills from 3 different collectors trying to falsely collect this money after I reported it to the credit bureau and they investigated and removed it from my credit report. I still have the credit letter from XXXX XXXX XXXX for reference.

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 2022-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX, I upgraded my American Express Delta Platinum card to a Delta Reserve card due to a limited time offer advertised for XXXX bonus miles when you spend {$5000.00} in the first 3 months on the new card. I upgraded due to this offer as I did not think it was worth upgrading to a card with a {$550.00} annual fee without the extra miles offer. 

Upon reaching the {$5000.00} threshold, I was not given the XXXX miles, but instead XXXX on XX/XX/XXXX. I reached out to Amex customer support through their online chat and the rep submitted a ticket. I provided a screenshot showing the screen on their website showing the page where the limited time offer was available ( the same page where you select your new card design ). 

After lack of follow up on my case I reached out multiple times, and a chat rep eventually told me that the welcome offer was declined as there was no such offer running for card upgrades, only new applications. The rep opened a second case, as apparently the screenshot was never attached originally and said I would receive follow up on this issue. 

After reaching out to chat and eventually XXXX support, I was told that after months of attempting to resolve this, I would not be receiving my XXXX offer as they could not confirm it was solicited to me even though I provided screenshots of their own website. The reps provided no additional support after this. 

After speaking with a XXXX rep from XX/XX/XXXX through XX/XX/XXXX, providing a screenshot that includes website and timestamp data on both my ticket on the website and directly through XXXX, American Express did not honor the limited time offer despite the evidence given to them and my attempts to work with them over the course of months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: Experian Information Solutions Inc.
State: GA

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. 
XXXX : XXXX has violated my rights. 

15 U.S.C 1681 section 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 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 explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I HAVE AN ACCOUNT REPORTING TO ALL MY CREDIT REPORTS ( EQUAFAX ) ( XXXX ) AND ( XXXX ) THAT HAS MANY INACCURACIES FOR THE DATA IN THE PAYMENT HISTORY FIELDS. I AM DISPUTING THIS ACCOUNT BECAUSE THE DATE OPEN IS XXXX, THE DATE CLOSED IS XXXX, IT SHOWS DATE OF 1ST DELINQUENCY IS XXXX THIS IS IMPOSSABLE CONSIDERING THE ACCOUNT WAS CLOSED ON XXXX .... XX/XX/2022, XX/XX/2022, XXXX, XX/XX/2022 AND XX/XX/2022, ALL SAY " PAID AS AGREED '' AND " CURRENT '' : ..CLEARLY, I HAVE HAD NO LATE PAYMENTS FOR XX/XX/2022, XX/XX/2022 AND XX/XX/2022 AS THE CREDIT REPORTS ARE FURNISHING. I WANT THE LATE PAYMENTS EITHER REMOVED/ DELETED FROM ALL THREE OF MY CREDIT REPORTS OR UPDATED TO " PAID AS AGREED '' AND " CURRENT '' EQUAFAX -- ACCOUNT NUMBER XXXX ( XXXX XXXXXXXX ) XXXX XXXX ACCOUNT NUMBER XXXX ( XXXX XXXX ) XXXX XXXX ACCOUNT NUMBER XXXX ( XXXX XXXX ) 15 U.S.C. 1681 section 602A 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 A 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 TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVETHAT THE INFORMATION IS INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: SC

Complaint narrative:
I had a PLUS loan with Cornerstone that was paid off in XX/XX/2020. The loan was transferred to FedLoan. I have tried numerous times to get a refund of my payments made from XXXX and keep being told they have no information on my account. Federal Student Aid lists FedLoan as the servicer. FedLoan says they cant locate any information in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the listed accounts below : XXXX XXXXXXXX : # 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 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the listed accounts below : XXXX  XXXX : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX keeps saying that the home was not discharged in XXXX XXXX which it was per the BK Discharge and XXXX XXXX XXXX own attorney sent me back a letter stating such. 

Everything is attached plus the letter from their attorney I received today.

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 2022-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been working with a company by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to assist in the cancellation of a timeshare contract and my husband and I have. We have been working with this company since XX/XX/XXXX. 

On XX/XX/XXXX I received a voicemail message from a XXXX XXXX that said that she was with XXXX and had some good news for me concerning our timeshare situation. The number ID ( XXXX ) said it was from XXXX and I had remembered speaking to someone by that name before. When I called her back, she introduced herself as a associate of XXXX and said that our account had finally settled and the only thing left to do was to pay a title transfer fee to XXXX XXXX to finalize the deal. 

I was hesitant about using XXXX to pay this {$1000.00} fee but she mentioned the exact date that we signed our agreement with XXXX and the amount that we paid for our services. The fact that she knew this detailed information was reassuring and I was so excited that our battle with the timeshare company was coming to a close. {$1000.00} is not a small amount of money for us since we have been struggling since Covid. I'm self employed and my business was almost non-existent for over a year while we were dealing with this epidemic. 

Her instructions were to XXXX the money to XXXX XXXXXXXX with XXXXXXXX XXXX XXXXXXXX and after about XXXX business days I should get the agreement from XXXX XXXX. After getting the agreement all I needed to do was sign, notarize it and send it back and the matter would be done. I let one full week go by and started feeling uneasy when nothing came. I finally reached out to XXXX 's number on XX/XX/XXXX and got no response. I called XXXX 's main #, spoke to a representative when they informed me that other people had been scammed the same as me and they had filed a police report on the incidents. 

I then proceeded to call Wells Fargo 's fraud departement, who I bank with, to report the fraud and place my own report. The customer service rep with the Fraud Department gave me her condolences and said that I was not the first person to report this scam to them. My complaint is that they knew about this scam and are not reimbursing me my {$1000.00} because I sent it through XXXX. This is a ridiculous excuse since my money is supposed to be protected. I had every reason to believe that I was dealing with a legitimate representative of a company that I had been in contract with for over 2 years. I need the {$1000.00} that was taken from me and am asking for your assistance to get it back. Thank you.

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 2022-10-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Denefits LLC
State: MD

Complaint narrative:
I enrolled in a weight loss program in XX/XX/2020 that was supposed to cost around {$2600.00}. The group had me signed up to make installment payments through Denefits, but the cost is not coming down. I have already spent {$3400.00} ; the payoff amount is over {$2600.00} ; it was explained that my payments would go toward the balance ; it does not appear that that is happening. The products never worked after 30 days of use. I called several times to explain the diet wasn't working. In XX/XX/2020, I was told to eat a bag of green apples to help jumpstart weight loss, but nothing happened, which by all accounts, was a ridiculous recommendation. I have decided not to pay this company any more money primarily because of what I spent so far. I am getting at least 20-30 harassing phone calls a day about payments. I have paid for this program even though it did not work.

Company response to consumer: Closed with explanation