vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX and TransUnion claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate, but how is that if the Account Number, Date Opened, High Credit, Past Due, Comments and Date Last Active are DIFFERENT? This means the accounts have not been properly verified. Also, under FCRA 15 U.S.C. Section 604 ( a ) ( 2 ), my rights have been violated. I have not given anyone written permission to furnish these accounts on my credit report. The inaccurate account I have identified : 1. XXXX XXXX XXXXXXXX -- INACCURATE INFORMATION : Account Number, Date Opened, High Credit, Past Due, Comments, Date Last Active

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently pulled my credit report and noticed incorrect information. Please update and delete the incorrect information.. 
My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FLORIDA XXXX My phone number : XXXX My employer is 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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding XXXX, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau Dispute, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to XXXX. 

Upon information and belief, XXXX received notification of my credit bureau dispute. XXXX did not conduct an investigation, contact myself, contact third parties, or review underlying Account Information with respect to the disputed information and the accuracy of the XXXX Account. 

Upon information and belief, XXXX failed to instruct the credit bureaus to remove the false information regarding the XXXX Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the XXXX Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did XXXX and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes. 

The credit bureaus relied on its own judgment and the information provided to them by XXXX rather than grant credence to the information provided by myself. 

The credit bureaus published the false information regarding the XXXX Accounts to third parties.

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding XXXX, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau Dispute, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to XXXX. 

Upon information and belief, XXXX received notification of my credit bureau dispute. XXXX did not conduct an investigation, contact myself, contact third parties, or review underlying Account Information with respect to the disputed information and the accuracy of the XXXX Account. 

Upon information and belief, XXXX failed to instruct the credit bureaus to remove the false information regarding the XXXX Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the XXXX Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did XXXX and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes. 

The credit bureaus relied on its own judgment and the information provided to them by XXXX rather than XXXX credence to the information provided by myself. 

The credit bureaus published the false information regarding the XXXX Accounts to third parties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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:
I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding XXXX, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau Dispute, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to XXXX. 

Upon information and belief, XXXX received notification of my credit bureau dispute. XXXX did not conduct an investigation, contact myself, contact third parties, or review underlying Account Information with respect to the disputed information and the accuracy of the XXXX Account. 

Upon information and belief, XXXX failed to instruct the credit bureaus to remove the false information regarding the XXXX Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the XXXX Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did XXXX and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes. 

The credit bureaus relied on its own judgment and the information provided to them by XXXX rather than grant credence to the information provided by myself. 

The credit bureaus published the false information regarding the XXXX Accounts to third parties.

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 2024-05-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
Have purchased 9 Vanilla Visa gift cards in XX/XX/2023, none of the cards worked and they were locked on 1st try to use. Have called customer service to unlock the cards, but they couldn't do that, so they've sent me replacement. A few week later have received replacement. Now in XXXX have tried to activate cards received as replacement, but that couldn't be done, so I'm unable to use gift cards purchased. Don't want another replacement, would like full refund including activation fees, since purchased product can't be used

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: CashRepublic Holdings, Inc.
State: LA

Complaint narrative:
In XX/XX/XXXX I had requested the application of the Servicemember 's Civil Relief Act to my account. Per Louisiana Statute 29:312 : XXXX XXXX XXXX? XXXX XXXX. Limits on creditor interest rates A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding six percent per annum during the period that the person is XXXX on XXXX XXXX. 

I had attached a copy of my orders assigning me to XXXX XXXX, Louisiana as well as my enlistment contract to show evidence of my current residence as an XXXX XXXX member within the state. However, Omni XXXX  Loans is unwilling to comply with state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX Date of inquiry : XX/XX/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 2024-05-12 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: NJ

Complaint narrative:
Upon me revieiwing my credit reports on XX/XX/year>, i notice accounts and inquiries that were not mine also address.

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 2024-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Avant Holding Company, Inc.
State: LA

Complaint narrative:
In XX/XX/XXXX I had requested the application of the Servicemember 's Civil Relief Act to my credit card. Per Louisiana Statute 29:312 : XXXX XXXX XXXX? d=321064 312. Limits on creditor interest rates A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding six percent per annum during the period that the person is XXXX on XXXX XXXX. 

I had attached a copy of my orders assigning me to XXXX XXXX, Louisiana as well as my enlistment contract to show evidence of my current residence as an XXXX XXXX member within the state. However, Avant is unwilling to comply with state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: NJ

Complaint narrative:
Upon me revieiwing my credit reports on XX/XX/year>, i notice accounts and inquiries that were not mine also address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: NJ

Complaint narrative:
Upon me revieiwing my credit reports on XX/XX/year>, i notice accounts and inquiries that were not mine also address.

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 2024-05-12 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: CA

Complaint narrative:
on XX/XX/XXXX I received my results from my dispute with Experian, and it said it remained. I filed another dispute with them to remove this false collection on my credit report, and I would like to file a complaint against them for allowing them to do that. when the debt company dont even have my personal information, correct.

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 2024-05-12 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: CA

Complaint narrative:
on XX/XX/XXXX I received my results from my dispute with XXXX, and it said it remained. I filed another dispute with them to remove this false collection on my credit report, and I would like to file a complaint against them for allowing them to do that. when the debt company dont even have my personal information, correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: GA

Complaint narrative:
Please remove all listed fraudulent accounts from my transunion account attached is a copy of my identity theft report with all fraudulent accounts listed on transunion it is against consumer law to report fraudulent accounts on consumer credit reports. 

* Fraudulent Accounts Transunion * XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX * Fraudulent Injury Transunion * 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 non-monetary relief
Consumer complaint received 2024-05-12 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: CA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days that I filed a 30 day demand to comply with the credit bureaus, and still have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: AZ

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  XXXX of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX Date of inquiry XXXX XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX  XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX & XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX Date of inquiry XXXX XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX & XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
In accordance with the Fair credit reporting act this creditor violated my rights under 15 usc 1681section 6 o 2 states, I have the right to privacy 15 usc 1681 section 6 0 4 a section 2 it also states a consumer reporting angency can not furnish an account without my written instructions. Under 15 uscs 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
XXXX This account is shown as a collection/charge off on my report. A charge off is considered a certificate of indebtedness, which means it is income and income can not be reported on a consumers credit report. Therefore i demand that it be deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/2024, I sent a letter to Experian regarding a request to investigate things that I believe to be inaccurate and/or incomplete in my credit report. Experian responded back with a stall letter on XX/XX/2024 stating that it was not me but a third party trying to fix my credit. However, I mailed this from my own house. I am not sure why they think Im a third party as I am trying to fix my own credit while getting these inaccuracies removed as I am trying to get a vehicle

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