vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-21 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-06-21 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: GA

Complaint narrative:
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CHECKredi of Kentucky, LLC
State: NY

Complaint narrative:
{$37.00} on XXXX XXXX XXXX I paid for gas through XXXX XXXX XXXX XXXX XXXX. No way to check if account is up to date. XXXX XXXX XXXX  ( 5 days later ) an email from debt Collector Checkredi. I inquired about debt and agreed to pay owed {$37.00}. They took card and charged additional {$35.00}, total {$72.00}. They also informed me there is no way to check or update payment info in app, and that this was my opportunity to update now. This is an organized extortion system between XXXXXXXX XXXX XXXX XXXX XXXX and CheckrediXXXX  They make it nearly impossible and very impractical to know for sure, if ur account is up to date before transacting. Its ridiculous and Ive already gone ahead to dispute the additional {$35.00}. I also communicated that Im a victim of identity theft, filed with the FTC XXXX XXXX XXXX and that the account in question which I wasnt able to validate because of the shady practices between XXXX XXXX and Checkredi was remnant left over from the identity theft I was experiencing on that account. Also the website the provide to deal with this matter with ur login credentials from the XXXX XXXX XXXX does not work at all. The whole thing is a ploy.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: GA

Complaint narrative:
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-21 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: NY

Complaint narrative:
I mailed 3 letters on two closed accounts with XXXX XXXX. One account for Limited and one for XXXX XXXX. Letters were dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All letters went unanswered from XXXX XXXX  and the credit reporting agency XXXX. 

XXXX XXXX  XXXXXXXX  is a closed account showing the last payment XX/XX/XXXX. It has been 11 years and according to FCRA accounts should not report longer than 7-10 years. FCRA also states any items disputed must be answered within 30 days or be removed and it has been over 90 days since my first letter with no response. How was this dispute validated if no response was given- a direct violation of FCRA. 

XXXX XXXX  XXXX XXXX is a closed account showing the last payment XX/XX/XXXX. It has been 8 years and according to FCRA accounts should not report longer than 7. FCRA also states any items disputed must be answered within 30 days or be removed and it has been over 90 days since my first letter with no response. How was this dispute validated if no response was given- a direct violation of 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 non-monetary relief
Consumer complaint received 2023-06-21 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: NY

Complaint narrative:
I mailed 3 letters on XXXX closed accounts with XXXX XXXX. One account for XXXX  and one for XXXX XXXX. Letters were dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All letters went unanswered from XXXX Bank and the XXXX XXXX XXXX Experian. 

XXXX Bank XXXX is a closed account showing the last payment XX/XX/XXXX. It has been 11 years and according to FCRA accounts should not report longer than XXXX years. FCRA also states any items disputed must be answered within 30 days or be removed and it has been over 90 days since my first letter with no response. How was this dispute validated if no response was given- a direct violation of FCRA. 

XXXX XXXX  XXXX XXXX is a closed account showing the last payment XX/XX/XXXX. It has been 8 years and according to FCRA accounts should not report longer than XXXX. FCRA also states any items disputed must be answered within 30 days or be removed and it has been over 90 days since my first letter with no response. How was this dispute validated if no response was given- a direct violation of 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 non-monetary relief
Consumer complaint received 2023-06-21 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: TN

Complaint narrative:
I am writing to you regarding a matter of utmost importance pertaining to my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) as defined in the United States Code, Title 15, Section 1681. As an informed and responsible consumer, I am fully aware of the protections granted to me under the FCRA, which are designed to ensure the accuracy, fairness, and privacy of information contained in consumer reports. It has come to my attention that certain activities have occurred that potentially violate the provisions set forth by the FCRA, prompting me to bring this matter to your attention and seek resolution in accordance with the law. I am trying to to start building my credit for a house and car. I mailed the the 3 major credit bureaus about a inaccurate information on my credit report. This is very vital that I get this fixed but none of the credit bureaus contacted me. My XXXX XXXX collection was written off for the amount of {$1000.00} as a of XX/XX/2021. I also have one with XXXX XXXX XXXX. I trust that you will treat this matter with the seriousness it deserves and take the necessary steps to address the issue promptly. Failure to comply with the FCRA may result in legal consequences, which I hope we can avoid by resolving this matter in a mutually satisfactory manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 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:
Transunion I have reviewed some information on my credit report that shows an inquiry that I never authorized. Please delete this fraudulent inquiry : XXXX XXXX Thanks for your understanding. I have attached proof if ID and Address, as well as the Police 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 2023-06-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I Properly disputed the accuracy of information being reported on my consumer report by this company. This company is still reporting my name wrong, along with false addresses, and employment history that I do not work for. This company is also falsely reporting the payment history of several accounts. I asked to see method of verification along with payment history from creditor along with statements indicating the accuracy of payment history. I told this company that I do not recognize the E-Oscar system as suffice method of verification. They have failed to properly show me proof of a thorough investigation, which is now causing my consumer report to suffer. I resent letter for a request of fee for damages and negligence on their part. This complaint is for mine as well as their records. If this matter is not corrected I do intend to use the law to the fullest extent to make sure this doesn't continue happening to me or any other consumer of the United States Of America.

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 2023-06-21 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: GA

Complaint narrative:
In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: GA

Complaint narrative:
In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
When I purchased my car the only information that I was shown was the monthly payment. My monthly payment is XXXX, {$350.00} is going to pay the interest. My interest rate is 16.8 %. I have made 7 on time payments since purchasing my car and no one will refinance the car due to the loan amount of XXXX and the worth of the car being XXXX. I have contacted XXXX XXXX and they will not renegotiate or refinance the car loan. When the loan was proposed to me I was told this was the only company who would finance me and I had a co-signer. I was not shown the interest rate and only asked what amount I wanted to pay monthly. I told the dealer that since my rent was XXXX my car payment should be half of that. I was also told by the dealer that the car, a 2019 XXXX XXXX was the only car on the lot I could be financed for.

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 2023-06-21 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: GA

Complaint narrative:
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX Credit Card : # XXXX, XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-21 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My NAME is XXXX XXXX XXXX. 

According to Early Warning System : Chase, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, These accounts are not mine. this is fraud please delete. 


Please DELETE all other names as they do not belong to me. The following addresses do NOT belong to me, please delete them ASAP : 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 Please ALSO delete : Phone Numbers : XXXX ; XXXX ; Also please delete the following inquiries that do NOT belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A PART OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX Billing Servi are NOT my accounts. Please REMOVE THESE ACCOUNTS AND THE NAME XXXX XXXX OR XXXX XXXX XXXX. MY name is XXXX XXXX XXXX Also please IMMEDIATELY REMOVE THE FOLLOWING INQUIRES WHICH ALSO ARE NOT MINE : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX reporting i owe {$970.00} on an account I have no knowledge of XXXX XXXX XXXX XXXX  {$19000.00}, they are reporting on my credit report. not my account XXXX XXXX XXXX XXXX {$41000.00}, they are reporting on my credit report not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX never shopped with this company, never gave them permission to ran my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy

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 2023-06-21 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX reporting i owe {$970.00} on an account I have no knowledge of XXXX XXXX XXXX XXXX {$19000.00}, they are reporting on my credit report. not my account XXXX XXXX XXXX XXXX {$41000.00}, they are reporting on my credit report not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never shopped with this company, never gave them permission to ran my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: The LGM Co., Inc.
State: VA

Complaint narrative:
Dear Consumer Protection Bureau, I am writing to inform you of the harassing phone calls that I have been receiving from LGM Finance Auto. Despite my attempts to resolve the issue, this corporation has continued to call me excessively, exceeding the allowed seven calls per day and even calling me 5 to 8 times per day. These calls have been ongoing since XX/XX/2023. 

Additionally, the amount owed to LGM Finance Auto is {$1700.00}. While I understand my responsibility to pay this debt, the excessive phone calls are unnecessary and unproductive. 

As a consumer, I believe that I have the right to be treated with respect and dignity, and the constant barrage of phone calls has caused me undue stress and XXXX. I have tried to communicate with LGM Finance Auto and have requested that they limit the number of calls to a reasonable amount, but they have continued to ignore my requests. I believe that this behavior is in violation of the Fair Debt Collection Practices Act and warrants your attention. 

I hope that you will investigate this matter and take appropriate actions to protect consumers from such harassment. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been roobed out recently and lost every thing and submitted the police report also to remove my bad credit histroy where done by some one who robbed out and i am facing the problem when i apply for new credit cards or loan geeting rejected due to this problem.

Company response to consumer: Closed with explanation