vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 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: TX

Complaint narrative:
I'm writing to communicate my XXXX in regards to the contested records on my credit report. On numerous occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be entirely researched. In spite of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and upsetting my capacity to carry on with a typical life. The adverse consequences of these mistakes have caused gigantic difficulties for me, and I'm left with no decision except for to argue for your help with amending what is happening as quickly as time permits. I generously demand that you direct an exhaustive examination concerning the detailing of every one of these contested records. It is basic that the essential advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the precision and trustworthiness of my credit document so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue speedily would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
recently checking my credit report i noticed that XXXX been a victim of identity theft and found numerous credit inquiries i have no knowledge of, here are the inquiries that ive found : XXXX XXXX XX/XX/2024, XXXX XXXX XX/XX/2024 XX/XX/2024. Please remove these fraudulent inquiries from my credit report. i also attached my identity theft report as well.

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 2024-08-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On numerous occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be entirely researched. In spite of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and upsetting my capacity to carry on with a typical life. The adverse consequences of these mistakes have caused gigantic difficulties for me, and I'm left with no decision except for to argue for your help with amending what is happening as quickly as time permits. I generously demand that you direct an exhaustive examination concerning the detailing of every one of these contested records. It is basic that the essential advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the precision and trustworthiness of my credit document so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue speedily would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I am writing to file a formal complaint against Bank of America ( BOA ) and their relationship banker, XXXX XXXX, regarding unauthorized hard credit inquiries that were made on my credit report. The details of the incidents are as follows : Incident Details : Date of Inquiry : XX/XX/year> Date of Inquiry : XX/XX/year> Name of XXXX  Banker : XXXX XXXX Location of Branch : XXXX XXXX XXXX On XX/XX/year>, I visited the BOA branch and spoke with XXXX XXXX to discuss refinancing my XXXX  loan. During our conversation, I explicitly asked if the pre approval process would result in a hard inquiry on my credit report. XXXX XXXX assured me XXXX  times that it would not. Despite her assurances, within XXXX  of submitting the form, I received notifications from XXXX and XXXX XXXX XXXX indicating that a hard inquiry had been made by BOA. 

This is the XXXX  time BOA has misled me regarding hard inquiries. The XXXX  incident occurred on XX/XX/year>, under similar circumstances. This pattern of deceptive practices is unacceptable and has caused significant damage to my credit report. 

Consumer Rights and Laws Violated : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumers have the right to accurate and fair credit reporting. The act also mandates that a consumer must provide explicit consent for any hard inquiry to be made on their credit report. BOA 's actions, facilitated by XXXX XXXX, have violated these provisions by conducting unauthorized hard inquiries.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
These inquiries were not authorized by me and I did not communicate with this under the specified date

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 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank had closed my account on XX/XX/year>. They closed it with a XXXX balance, however, I had a pending dispute. On XX/XX/year> fanduel credited me back in XXXX increments with the attached trace ID numbers. For over a month I tried to resolve this with Citibank, I spoke to over XXXX representatives that all told me the transaction wouldve automatically been rejected since my account was closed. A few days ago a rep told me that they kept the deposit to clear up a balance. Let me be clear, Citibank owes me money from the pending dispute, I dont owe them anything. They just stole an additional XXXX from me. This also speaks the ineptitude of the outsourced reps Citibank uses as they cant handle/understand simple questions. 

Below is the case number along with the case IDs. Even a branch XXXX told me that the transfer was rejected by the bank?! I attached the screenshot of his email to me. 

XXXX - XXXX for XXXX - XXXX for XXXX - XXXX for $ XXXX - XXXX for {$5500.00} - XXXX for {$3900.00} ( partial refund from $ 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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am reaching out for your help regarding an incorrect account shown on my credit report. This has been detrimental to my reputation, and I require your assistance. The bureau must update the records and remove the inaccurate information to prevent further damage to my credit profile.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: OH

Complaint narrative:
I had a loan with loan Mart that I paid off and I got another loan for {$2000.00}. Apparently I was late on a payment which I wasnt even aware of. I thought the payment wasnt due till the following month and they came and took my car with my prior loan when I was late, they added the payment to the end of the loan this time they had no options for me. Its been impossible to talk to them. Ive been hung up on the person that repo the car did not let me get my stuff nor did they provide me with a list of my belongings which I lost a guitar. They tried to charge me {$40.00} to pick up my own stuff which its illegal to do that when I did talk to XXXX when my car first got repossessed, I made them aware of this and they did nothing about it. I complain to the attorney general. They come up with excuses since then its gotten worse. They dont know whether my car sold or not after the first payment, they told me they would put the following month on the end of the loan they didnt do that. They sent me another bill for it so it looks like Im late again Ive called. Its impossible to talk to the man that answers the phone. Every single time is the same one. He hangs up on me and gets all flustered and has no idea what hes talking about. He said he didnt know my car was sold or not so I never received a notice so I could be at the auction. I dont know where my car is. I was never told which auction it was sent to. I havent been notified of anything and why is it different from the first loan to the second loan that I paid off in full? Was it able to go on the end of the loan, but not now and why dont they have any information about my car and where it is And why was it taken? Ive never been so completely ignored by a company that I had a loan with or any dealings with Ive never been treated so rudely and terribly in my life I need to know where my car is or whether or not, I need my guitar back these people act like its just free {$180.00} payment over {$1000.00} so they made it impossible to get my car back which is very unfair and illegal actually its called predatory lending and its terrible XXXX. I want my car back. I wouldve paid it if they wouldve known where the car was or whether it was sold or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
I never took out any loan and these individual keep calling me and my relatives about a loan in XXXX  from the following numbers XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
From several creditors I requested documentation bearing my signature on the account, verification and validation of the account in question as well as companies to provide consent for authorization of inquiries. I sent letters to Equifax, XXXX, and XXXX on XX/XX/year> & XX/XX/year>. I have not received the requested documentation within the allotted time nor have I received documentation at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
From several creditors I requested documentation bearing my signature on the account, verification and validation of the account in question as well as companies to provide consent for authorization of inquiries. I sent letters to XXXX, XXXX, and Experian on XX/XX/year> & XX/XX/year>. I have not received the requested documentation within the allotted time nor have I received documentation at all.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-08-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm writing to communicate my anxiety with respect to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be totally explored. In spite of my endeavors, I still can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and frustrating my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused gigantic difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I benevolently demand that you direct an exhaustive examination concerning the detailing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recover command over my monetary prosperity. I earnestly encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue quickly would be extremely valuable. Much obliged to you ahead of time for your comprehension and help.

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 2024-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 ( MONTHS REPORTING LATE ) 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. 


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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


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


Delete the late payments from my consumer reports

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