vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX XXXX0.00} / XX/XX/2021

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 2022-04-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX XXXX / XX/XX/2021

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 2022-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
I went to XXXX XXXX XXXX XXXX in XXXXXXXX XXXX  in late XX/XX/XXXX and traded in a XXXX XXXX XXXX which was financed by Ally Auto Financing. All paperwork was signed and I thought everything was fine. I got a call on the last week of XX/XX/XXXX by the finance manager at the dealership telling me they screwed up the paperwork and I needed to come re-sign. I did this and then realized because of their paperwork screw up, they had not released the payoff amount for the XXXX truck to Ally Auto. When I check my credit report on XX/XX/XXXX, the installment loan through Ally had been reported 30 days past due because they did not receive the payoff in XXXX. 
I notified the dealership and finance manager. The finance manager said he would check into it. He never returned my call and was always " out of the office '' when I called back. 

After this happened, my credit score dropped over XXXX points. And it is still negatively affecting my credit rating.

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 2022-04-27 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: FL

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-04-27 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: FL

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-04-27 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: FL

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: DISCOVER BANK
State: MI

Complaint narrative:
Discover paid a merchant XXXX XXXX XXXX  {$100.00} on XX/XX/XXXX. I disputed the amount as I had no idea what it was for. Nobody could tell me what it was for. Apparently back and forth they paid XXXX, gave me a credit, paid the merchants and then gave me a credit. Finally on XX/XX/XXXX they stated the merchant XXXX was paid however, no proof has been provided they were paid and it is NOT on my statements I have poured over. Discover.com sent me an email attached stating they took the credit back from me and still have not provided me proof they paid the vendor. Only verbally have they told me. They said XXXX was paid on XX/XX/XXXX, XX/XX/XXXX and tons of other dates. I have 1 screenshot of a payment made to XXXX on XX/XX/XXXX. This has gone to collections with XXXX XXXX XXXX stating I owe the money yet have not validated the debt. XXXX was contacted as well and escalated the issue with nobody calling me back either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To Whom it may concern, On or about XX/XX/XXXX I received a call from Capital One bank informing me that they had identified potential fraud in a checking account. They explained to me they had identified that business checks made payable to XXXX XXXX XXXX were being deposited into a personal checking account at Capital One. After confirming I was the owner of XXXX XXXX, they sent me copies of the checks. I was able to use the information on the back of the check with my payroll system to identify that my employee XXXX XXXX had stolen the checks from the mail and deposited the checks in her personal account. 
Not only did XXXX XXXX not have authorization to deposit XXXX XXXX checks, XXXX XXXX deposited the checks in her personal account with nothing more than a scribble on the back of the checks using remote deposit. ( See attached ) It is undeniable that that Capital one used no care at all when depositing the checks made payable to XXXX XXXX XXXX into the personal account of XXXX XXXX. In conclusion Capital Ones negligence allowed a criminal to steal checks from the mail and deposit them into their own personal checking account. 
I am asking the CFPB to advise Capital One of their responsibility and obligation to refund the money to the payor banks so that checks can be reissued to XXXX XXXX XXXX. Capital One has decided that the cost of litigation will dissuade us from taking legal action. This is completely immoral, unethical and wrong. A small business should not have to lose money simply because we dont have the resources to enforce the law. The UCC statutes are clear that Capital One is responsible to refund the money. Please help us!!!!!!! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
Today, I also submitted a dispute with CFPB for Chime for my Chime Credit Builder Account. This dispute is for my Chime Debit Checking Account. I have submitted a dispute with Chime for unauthorized transactions and received an email today that they will not be refunding my money. The Dispute # with Chime is : # XXXX I am currently losing money, once again, by losing hours with my job, to fill out all this information. 

The transactions being disputed : Merchant : XXXX  XXXX Card Pymt Amount : {$820.00} Date : XX/XX/22 Time : XXXX XXXX  Merchant : XXXX Gift Cards Amount : {$310.00} Date : XX/XX/22 Time : XXXX XXXX  Merchant : XXXX XXXX XXXX Amount : {$350.00} Date : XX/XX/22 Time : XXXX XXXX  Someone, once again, hacked into Chime and made fraudulent transactions now on my debit account, totaling {$1400.00}. I was told that I would have to wait 90 days for this dispute to be fully investigated. I was also told they would refund me provisionally on XX/XX/22 if the investigation was still pending completion. Today, just 3 days later, I received an email that they will not be refunding my funds for the {$820.00} and {$310.00} transactions and that I have to wait 10 days for documents to explain why. The other dispute is still pending for {$350.00}. 

I called Chime and the representative informed me that I need to submit new documentation to support my dispute for them to research further. I am submitted this form to the CFPB because I am requesting a full non-provisional refund sent to me by check in the total of {$1400.00} as I no longer trust their investigation process is in my best interest and I do not trust their security to put money in their accounts as two of my accounts were hacked with two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: NC

Complaint narrative:
I received an email alert from XXXX XXXX providing me with notice of a hard credit -Credit Inquiry Alert - from XXXX  XXXX XXXX on XX/XX/2022. This was not me. I have contacted XXXX XXXX and XXXX XXXX XXXX. They directed me to Equifax who stated they show there was an inquiry on XX/XX/2022 from XXXX XXXX XXXX. They were unable to provide me with proof of who authorized this hard credit inquiry. This dropped my credit score almost XXXX pts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violalod my federally prolecied consumer rights to privacy and confidontiality under 15 / USC 1681.

| 15 U.S.C 1681 section 802 A. States I have the right lo privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account wilhout my writlen instructions 15 U.S.C 1681c. ( eX5 ) Section Slates : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adve Hem of information, olher than records of convictions of crimes which antedates the report by more than seven years. 

Inquiry 1 : XXXX XXXX 2 : XXXX XXXX XXXX XXXX XXXX 3 & 4 : XXXX XXXX 5 : XXXX XXXX XXXX XXXX 6 : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violalod my federally prolecied consumer rights to privacy and confidontiality under 15 / USC 1681.

| 15 U.S.C 1681 section 802 A. States I have the right lo privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account wilhout my writlen instructions 15 U.S.C 1681c. ( eX5 ) Section Slates : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adve Hem of information, olher than records of convictions of crimes which antedates the report by more than seven years. 

Inquiry XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I ordered an XXXX XXXX XXXX XXXX through XXXX, my phone service provider on Monday XX/XX/2022. On that same day, I took on a loan from their sole suggested lending partner, Affirm. There was consideration ( a down payment of {$230.00} ), my signature agreeing to the terms, their countersignature agreeing to lend. 

I waited for my phone to come the next day. It didn't. So I contacted XXXX  who said my order was incorrectly in " draft '' status waiting to " get in the door '' of full processing. Basically a glitch in their systems processing. In normal ERP best practices, this would have just been as simple as either A. providing the missing data necessary to process the order, or B. recreating the order with the same data, assigning that order to the loan documentation, sending that new order information over to Affirm for an amendment with the new order number and having me re-sign the document under the same terms but with the same approval. Unfortunately, this is not what happened. 

XXXX  cancelled my order and THEN PROCEEDED TO CANCEL MY LOAN WITH AFFIRM WITHOUT MY PERMISSION OR AUTHORIZATION. 

As a result, this has presented multiple adverse effects for me, which include : 1. I never gave ANYONE authorization to cancel my loan with affirm. This is illegal.

2. I have to re apply for the loan which dings my credit.

3. I am no longer qualifying for the same amount... it's lower now, probably because of my additional credit inquiry.

4. I do not have the product as promised.

5. This has taken up more than two days and hours of my time to discuss.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: NC

Complaint narrative:
XXXX XXXX XXXX and the three bureaus have intentionally placed incorrect information on my report about this account that has affected me from housing and other extremely important things I need! I ask that this information be removed due to the fact of this car was voluntary surrender but XXXX and the other two bureaus have said it was repossessed which is incorrect and by law the bureaus most remove all incorrect information immediately! I have repeatedly disputed it several times Im now requesting for help to remove this and or correct it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: IA

Complaint narrative:
I occasionally check my XXXX Score and found it suddenly dropped a few months ago. I recently checked my credit report and found two cases of apparent purchases, I suppose in my name, that were sent to collection. Neither of these are legitimate accounts. One for XXXX XXXX XXXX, which I have not had an account with since last century, and XXXX, which I never had an account with. 

I've tried to dispute these claims through Experian but have not had any resolution.

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 2022-04-27 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: NC

Complaint narrative:
XXXX XXXX XXXX and the three bureaus have intentionally placed incorrect information on my report about this account that has affected me from housing and other extremely important things I need! I ask that this information be removed due to the fact of this car was voluntary surrender but Experian and the other two bureaus have said it was repossessed which is incorrect and by law the bureaus most remove all incorrect information immediately! I have repeatedly disputed it several times Im now requesting for help to remove this and or correct it

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 2022-04-27 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 1, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # 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 explanation
Consumer complaint received 2022-04-27 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: FL

Complaint narrative:
XXXX has violated my rights under 15 U.S. Code 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 They continue report late payments when its illegal to do so

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 2022-04-27 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: FL

Complaint narrative:
XXXX has violated my rights under 15 U.S. Code 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 They continue report late payments when its illegal to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX has violated my rights under 15 U.S. Code 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 They continue report late payments when its illegal to do so

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 2022-04-27 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: NJ

Complaint narrative:
Experian keeps reporting that I don't have a credit score or credit history. My mortgage company and creditors report my credit to Experian every month, but for some reason, Experian does not display my credit in their records. I have an extensive credit history and my credit scores are around XXXX with XXXX and Experian. I have been denied mortgages, credit cards and auto loans because Experian has not fixed this problem in over 5 years.

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 2022-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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