vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 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: Rent Recovery Solutions
State: GA

Complaint narrative:
I've recently received my credit report from all credit bureaus about the charge off account. According to the IRS an unpaid charge off is income and according to FCRA income can not be reported on a credit report. I am writing to formally request the issuance of IRS Form XXXX ( Cancellation of Debt ) for the account that have been charged off by your institution. After checking my most recent report the updated information stated that you purchased the account from XXXX XXXX XXXX. This account can not be reported as a charge off on my credit report, Especially, if the account was bought or sold to another lender. Please send the XXXX form.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
I called BMW financial services to work out a plan to avoid repossession of my vehicle. They indicated to me that I owe almost XXXX XXXX dollars more than the monthly payments " missed ''. I indicated to them the amount that I am able to pay today and wanted to set up a payment for later this week. The very rude customer service associate told me there is nothing she can do and that I owe XXXX. However, my most recent email about a " bill '' indicated that I " owe '' {$4400.00}. There are many discrepancies in terms of what is " owed '' and what is fabricated. She proceeded to tell me that this includes late payment fees and Fees from a previous repossession several years ago. I told her that I paid everything when the vehicle was previously repossessed because they would not release it to me with out making a more than XXXX XXXX dollar payment. I asked her why they are charging me again and she indicated that is what I have to pay. She indicated that I need to pay XXXX immediately but that doesn't ' stop me from repossession. BMW are scammers, they are consistently charging erroneous fees and refuse to make payment plans with their customers. They have very deceptive practices, which need to be stopped. Their customer service agents are rude and not helpful. I would like to come to a peaceful resolution but it is clear that BMW does not want that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.

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 2024-06-25 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.

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 2024-06-25 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: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXXXXXX XXXX per violation and clearly they violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to 15 U.S. Code 1681a, this is my statement that accuracy and fairness of credit reporting was not established and therefore is a result of identity theft and must be removed. The current listed address is not related to me the consumer. According to 15 U.S. Code 1681b, consumer reporting agencies are required to adopt reasonable procedures for meeting needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the 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 2024-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.Per 15 usc 6802 and 16 cfr 313.7 ( f ) as a federally protected consumer I am opting out of all authorization I the consumer may have given to disclose non public personal information. 5 USC 552A ( d ) ( 1 )

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 2024-06-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.Per 15 usc 6802 and 16 cfr 313.7 ( f ) as a federally protected consumer I am opting out of all authorization I the consumer may have given to disclose non public personal information. 5 USC 552A ( d ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.Per 15 usc 6802 and 16 cfr 313.7 ( f ) as a federally protected consumer I am opting out of all authorization I the consumer may have given to disclose non public personal information. 5 USC 552A ( d ) ( 1 )

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 2024-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I checked my inquiries and saw XXXX  XXXX XXXX XX/XX/XXXX on my report as a inquirie never applied for any credit. Capital one on XX/XX/XXXX never applied for any credit. XXXX XXXXXXXX XXXX again XXXX and Capital one again on XX/XX/XXXX. Than I see this XXXX  on XX/XX/XXXX dont even know what this is never applied. On XX/XX/XXXX XXXX appeared dont have any knowledge of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I checked my inquiries and saw XXXX XXXX XXXXXXXX XX/XX/XXXX on my report as a inquirie never applied for any credit. XXXX XXXX  on XX/XX/XXXX never applied for any credit. XXXX XXXX XXXXXXXX again XXXX and XXXX XXXX again on XX/XX/XXXX. Than I see this SYNCB/Amazon on XX/XX/XXXX dont even know what this is never applied. On XX/XX/XXXX XXXX appeared dont have any knowledge of this account.

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 2024-06-25 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: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-06-25 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: AL

Complaint narrative:
Would you mind removing these inquiries? I have no information about them, and the company did it without consulting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I made an XXXX transaction selling a XXXX XXXX XXXX, and was paid via XXXX ; I then deposited said money to what I believed to be my current bank. However it was instantly deposited to my Huntington Bank debit card that has not been functioning since XXXX. Huntington closed the account because of a {$35.00} overdraft fee. After the mistaken deposit, I attempted to withdraw the money back and was denied ; being told to resolve the issues with the bank. 


My query is how I was able to have money taken from me, but not being able to have it given back. I first attempted to contact XXXX in order to revert the process, only to be informed that they can not ; due to the transaction being confirmed accordingly on their end. 

So finally I repeatedly contacted Huntington XXXX XXXX, as well as a visit to my local branch, a meeting with the manage of said branch, and an HR personnel. Only to be told that they can not find my money. I then referenced the card number, and they found the money. They then referenced my {$35.00} overdraft fee, which i immediately said I would pay. They said they would not accept a cash payment and had to process it through their system, then after XXXX business days I would have a check in my mailbox. I just received XXXX more phone calls today, restating the initial statement they gave me, that they don't know where my money is, until i reference the card. Only to be they don't know how they could receive funds to a closed account. 

This repeated and near scripted response has me considering they may be actively participating in fraudulent activity. Especially after my repeated attempts through the proper channels, and waiting for the due process to be completed twice over. 

Huntington has all of our recorded in their user database, but were diligent enough to not send any emails with sensitive information. However I do have emails from XXXX XXXX. 

I sincerely require help in this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-25 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: TX

Complaint narrative:
There are unauthorized inquiries on my credit report.

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 2024-06-25 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: AL

Complaint narrative:
-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXXXXXX XXXX per violation and clearly they violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: TX

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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:
My account with XXXX XXXX XXXXXXXX, XXXX XXXX, was never late! I have had exceptional payment history with XXXX XXXX  XXXX, XXXX XXXX and all payments were placed on XXXX. 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 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 my account 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 XXXX  days before the payment due date. XXXX XXXX XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Ascent Holding Co
State: CA

Complaint narrative:
I enrolled in XXXX in XX/XX/year> in the full-stack web development course. I agreed to pay almost {$35000.00} after interest through their tuition deferment program, the terms being that I would not have to pay until I landed a job and that I would not have to pay while I was still enrolled as a student. I am currently 50 % through the course. During enrolment, I was promised a dedicated team which included a XXXX XXXX XXXX XXXX XXXX and several other live XXXXXXXX XXXX. Throughout my time as a XXXX, XXXX has gone through XXXX rounds of layoffs with XXXX communication. I lost the entire team, they changed XXXX channels without telling anyone, and the ability to get help was a reply to " go to XXXXXXXX ''. I tried many times to reach out to XXXX that what I had originally signed up for and was legally bound to pay for was no longer a service they were providing. They've removed and redone parts of the original course and I have no idea as to what they removed and if I am still getting my money 's worth. They have completely redone their website and are now charging $ XXXX less for the same program I am currently enrolled in with broken links and lack of availability from staff to help. They said they don't hire graduates, when in fact, many of their learning assistants are recent graduates and many times are not able to help me causing me to have to wait extra time until I can finally get help. Most of the time I am told to just go to XXXX, and it does not make sense to charge me {$35000.00} to talk to a research XXXX  tool. I am very worried that they will not be able to hold up to their promise ( and main advertising line which can be seen all over their website ) of placing me in a job. I signed up for this because they advertised and promised a better life and financial security through tech job placements. They say they have affiliations, but their affiliates have frozen hiring. I know this because I am in touch with students who were hired and because my husband, for example, graduated 7 months ago, and has over XXXX applications submitted and no job offers. XXXX is falsely advertising what it can not sustain. They have been put in court before and I am extremely concerned to the point that it is affecting my daily life due to an increase in XXXX  and stress. They are showing no signs of wanting to help me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am a victim of fraud. I NEVER RECOGNIZED THIS ACCOUNTS. I sent letters for several times but I never receive any response for the XXXX bureaus. Please make an actions XXXX XXXX XXXX XXXX Account Number : XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX {$0.00} XXXX XXXX Account Number : XXXX XXXX {$0.00} XXXX XXXX  XXXX Account Number : XXXX XXXX {$0.00} XXXX XXXX Account Number : XXXX XXXX {$0.00}

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 2024-06-25 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am a victim of fraud. I NEVER RECOGNIZED THIS ACCOUNTS. I sent letters for several times but I never receive any response for the XXXX bureaus. Please make an actions XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX {$0.00} XXXX XXXX Account XXXX : XXXX XXXX {$0.00} XXXX XXXX  XXXX Account Number : XXXX XXXX {$0.00} XXXX XXXX Account Number : XXXX XXXX {$0.00}

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