vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
sonal Statement All My Passwords, Username, Banks Information, SSN, ID Information Are In My Note On My Phone. someone hacked inside my phone to access these accounts. I had Multiple accounts open in my name, Im still TO THIS DAY getting out my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
My name, social, date of birth was used without my consent or knowledge, there are open collections, inquiries, car loans

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Consumer Portfolio Services account # XXXX, has violated my rights. Between XX/XX/2023 and XX/XX/2023, my Consumer Portfolio Services account was reported as 30 days late. I have not made a late payment.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: Atlanticus Services Corporation
State: NC

Complaint narrative:
On XXXX XXXX an account I had with Fortiva a retail credit account for XXXX was closed by the company. My balance is XXXX with 100 percent on time payments. The company which is Fortiva said it was cancelling the contract it had with XXXX. On my credit report in the remarks it says closed by consumer ( me ) which is incorrect. This caused my credit score to decrease by XXXX points. My account was in good standing but was closed because the finance company terminated its contract with XXXX. This is caused a derogatory mark against my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
So on XXXX  I authorized a payment to a merchant that was advertising a rental property with the agreement that I would be refunded if I no longer was interested in the rental. However, with this merchant, they seemed suspicious because they were not compliant and back and forth with me when I asked for a video tour. They also repeatedly asked for money and that was when I was no longer interested in the property. I had asked for a refund multiple times and they kept stalling and told me they can not send me back the money because they did not have money in the account. They told me they will send me their personal information so that I log in and make the withdrawal myself. I refuse to click on any suspicious link nor do I want to make any withdrawal myself, I had asked many times to send the money back via trusted methods like XXXX, XXXX, etc but the merchant refused to. I have called and repeatedly explained my situation to Citi that I am requesting a chargeback due to never receiving the service the merchant provided. In the beginning, it was reported as a fraud to which the bank concluded that it was not a fraud. So I try to reopen the dispute and they kept telling me that they have already made multiple contacts with the merchant and that the only way is to ask them to refund me. I've told them many times that I have already tried. Also about them sending me a suspicious link and making the withdrawal myself. They have never asked me for any proof either because I have proof of the entire conversation between the merchant. I kept calling because this issue is really frustrating. Finally, someone in the bank said that the investigation has reopened and that I just have to wait however, I do not see an update on my bank account yet. Usually, when a dispute is ongoing, you can track the status. I am writing this complaint because I am unsure if they have reopened the investigation or if they are just saying that so I don't have to be dealt with. Currently, my statement is about to be due soon in a few weeks and I have been trying to resolve this issue for 2 months now. I do not want to have to pay for something I have not received and also for someone to receive money from being a fraud/scammer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, TransUnion, and XXXX and have noted following discrepancies : XXXX XXXX XXXX XXXX Inq date : XXXX/XXXX/XXXX Phone number : XXXX XXXX XXXX XXXX XXXX Inq date : XX/XX/XXXX Phone number : XXXX XXXX XXXX Inq date : XX/XX/XXXX Phone number : XXXX XXXX Inq  date : XX/XX/XXXX XXXX  Inq date : XX/XX/XXXX I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, XXXX and TransUnion and have noted following discrepancies above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: FL

Complaint narrative:
To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from equifax, XXXX, and XXXX and have noted following discrepancies : XXXX XXXX XXXX  XXXX Inq date : XXXX/XXXX/XXXX Phone number : XXXX XXXX  XXXXXXXX XXXX XXXX Inq date : XX/XX/XXXX Phone number : XXXXXXXX XXXX  XXXX Inq date : XX/XX/XXXX Phone number : XXXX XXXX  Inq date : XX/XX/XXXX XXXX  Inq date : XX/XX/XXXX I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from equifax, XXXX and XXXX and have noted following discrepancies above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, XXXX, and Experian and have noted following discrepancies : XXXX XXXXXXXX XXXX XXXX Inq date : XXXX/XXXX/XXXX Phone number : XXXX XXXX XXXX XXXX XXXX  Inq date : XX/XX/XXXX Phone number : XXXX XXXX XXXXXXXX Inq date : XX/XX/XXXX Phone number : XXXX XXXX  Inq date : XX/XX/XXXX XXXX  Inq date : XX/XX/XXXX I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, Experian and XXXX and have noted following discrepancies above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FactorTrust, Inc.
State: OH

Complaint narrative:
Talked to a representative at FactorTrust on XX/XX/23 at XXXX XXXX. She explained they needed my address and I verified my address and I asked her what has the company ( FatorTrust ) done to fix the error on the credit report she said they have updated that information and just needed to verify my address. FactorTrust still has the same information no correction or removal of the information of another consumer information on the report the only thing that was updated was my address at the bottom of the report but the same information as the refuse to remove the information. I have sent my information to an attorney as I have tried to rectify the situation by including CFPB and FactorTrust

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to submit an urgent complaint against the credit bureaus, specifically XXXX, EXPERIAN for their persistent failure to conduct due diligence in properly investigating a negative collection item XXXX XXXX XXXX  # XXXX on my credit report. Despite my continuous efforts to dispute the inaccuracies and their impact on my creditworthiness, the credit bureaus have neglected their obligations under the Fair Credit Reporting Act ( FCRA ) and have caused significant financial and emotional distress. 

I initially raised my concerns and initiated the dispute process with the credit bureaus over a year ago, providing detailed explanations and supporting documentation regarding the inaccuracies in the negative collection item. However, despite numerous attempts to rectify the situation, the credit bureaus have continually failed to conduct a proper investigation and provide the necessary documents to address the matter adequately. 

This extended and unresolved dispute process has had severe financial and emotional repercussions for me. Due to the credit bureaus ' inaction, my creditworthiness has been unjustly impacted, resulting in denied credit opportunities, higher interest rates, and limited financial options. Moreover, the prolonged dispute resolution process has caused significant stress, anxiety, and frustration, as I continue to face the consequences of the credit bureaus ' failure to fulfill their legal obligations. 

I firmly believe that the credit bureaus ' persistent non-compliance with the FCRA has directly violated my federally protected rights. Specifically, they have breached the following provisions of the FCRA :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: IA

Complaint narrative:
Ive paid all my accounts in FULL!! This company has been calling me, repeatedly, threatening me and discriminating against me!! They have given my personal and private information out to people, other than myself! I have included a screenshot of multiple calls from their company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: OK

Complaint narrative:
In Accordance With The Fair Credit Reporting Act 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I have already had two of escrow analysis performed and both times my Homes Estimated value has been massively been under estimated so that my equity is very low. My homes estimated value is {$470000.00} to {$500000.00} but this Company estimates my home value at {$280000.00} ( in todays Market you know this is a scam ) and my loan Value is {$350000.00} ( what I purchased the home for ). I see that Carrington Mortgage is already under investigation from the CFPB. I would E-mail or chat with them but they only allow phone calls on my web page as I have looked multiple times and I bet the reason being that phone calls can not be documented as Texts and Chats can be. This under balling people on their Home Values on equity and equity loans has got to be a crime!?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My Chase Sapphire Credit card was charged with a fraudulent transaction. As someone used it to rent a car from XXXX. I had contacted XXXX multiple times and they are not responding to my requests either. My credit card was charged approx. $ XXXX for a rental car charge which I did not rent at all. I have asked chase multiple times to dispute this charge but they are not listening to me instead they are asking me to pay this amount. I am not sure what other options I have as I never charged or use this card for such transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX has turned me into derogatory remarks due to the beginning of the loan they could not get their paperwork correct. I am being penalized because they are to cheap to have a computer program to control your autodraft payments. Once they got the issue corrected there was never a late payment. I was told several times since this is their clerical mistake they would not reflect late payments on my credit report. As you can see they lied.. corporations should be held to a high standees not a lie. My next complaints will be with the OCC, FDIC and other organizations I can find till I get this returned. I should not have to fight to get my loan company to accept the payment and set up autodraft. So many companies have it where you can adjust it, set it up and delete autodraft online. Had XXXX had this option this would not have been the issue. This is an intentional situation devised by XXXX TO REDUCE CREDIT SCORE AND MAKE REPORT LOOK UNFAVORABLE. However the new customer was denied this process. It was denied for a specific reason that they achieved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Deposited a check with Wells Fargo on XXXX Was told 4 business day hold. My money are not available yet, they now saying 10 business day hold. In the mean time, i have to use credit cards with interest rate because they are not releasing my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
See attached document!!! 

On XX/XX/2023. Contact was sent to Transunion Intermediate Holdings LLC and XXXX XXXX XXXX XXXX about several inaccuracies on my report. The following companies instead of acting in my best interest as a federally protected consumer ... Transunion and XXXX continued to add information that is known to be inaccurate. I am shocked at their clear disregard for their duty to uphold the rights enacted to consumers. I am hurt and my rights to privacy have been violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
I have reached out via phone and the online website for Lexis Nexis to receive my CLUE report multiple times. Every time they send me a letter saying they cant verify my identity. Despite me inputting my own accurate identifying information every time. I have emailed them a copy of my license and still they refuse to send my report. I can never reach a human being on the number they sent or numbers I found via XXXX searches. It was brought to my attention that the adverse incorrect information is there by me trying to obtain affordable auto insurance. Ive been denied by companies and had higher rates with my current provider due to this error. Id like to receive my report to be able to dispute the inaccuracy and file a civil suit. Even letters mailed do not get my report sent to me. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
In Accordance With The Fair Credit Reporting Act 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 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 non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I got a email notification stating that I had a credit inquiry. Once I logged in I see that CBNA was in the category if hard inquiries. I have not applied for anything. I had the same problem yesterday. With someone applying for a XXXX account. However I believe my information was compromised. I need assistance.

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