vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
This is regards to a wage garnishment that has been placed through a third-party collection agency for a vehicle that is reflecting on my credit plus wages are being garnished at the time of having the vehicle I hit a deer the vehicle was not fixed properly. I request the company to contact the insurance company to see if the vehicle could be fixed, the company did not want to help me get the vehicle fixed properly the vehicle was taken I have reached out to the third-party company in which I received paperwork from the company to request a fair hearing. I do not agree with the amount of wages that the company is garnishing from my check I have yet to hear anything back about a fair hearing From this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: IL

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 2023-12-19 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: IL

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 2023-12-19 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 non-monetary relief
Consumer complaint received 2023-12-19 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection and charge off with a PAST DUE BALANCE of {$10000.00} This is a violation of the FCRA and is in violation of requisite METRO 2 Compliant reporting standards. As well as is in violation of 15 U.S Code 1681eb. The reporting party did not provide/send me a 1099c in regards to them claiming the debt to the IRS. The reporting company has reported to the IRS as well as on my consumer report they charged off the account. This is in violation as they have already claimed and received the remaining balance from the IRS.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I did not provide my written permission or instruct for the identified items to be reported on my consumer credit report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block all identified accounts listed below is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer ; Account Name : XXXX XXXX XXXX XXXX Account Date : XX/XX/2015 You are required to do what I am asking and block the transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response. 
Thank you

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection and charge off with a PAST DUE BALANCE of {$10000.00} This is a violation of the FCRA and is in violation of requisite METRO 2 Compliant reporting standards. As well as is in violation of 15 U.S Code 1681eb. The reporting party did not provide/send me a 1099c in regards to them claiming the debt to the IRS. The reporting company has reported to the IRS as well as on my consumer report they charged off the account. This is in violation as they have already claimed and received the remaining balance from the IRS.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I did not provide my written permission or instruct for the identified items to be reported on my consumer credit report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block all identified accounts listed below is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer ; Account Name : XXXX XXXX XXXX Finance Account Date : XX/XX/2015 You are required to do what I am asking and block the transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response. 
Thank you

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 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Take note of the attached documents. I want the bureau to commence an investigation into these accounts, as I am consistently on time, but they are incorrectly reporting me as late.

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 2023-12-19 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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: PA

Complaint narrative:
These inquiries are unauthorized which is identity theft

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 2023-12-19 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: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.

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 2023-12-19 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: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.

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 2023-12-19 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: AL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

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 2023-12-19 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: FL

Complaint narrative:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent Accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-19 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: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

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 2023-12-19 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Another loan accidentally was drawn out of my account twice, causing a deficit in my bank account which in returned cause my other auto payments to not be honored, like the one in question ( CareCredit ) - I contacted the auto loan bank that caused the deficit and they processed a refund of overpayment but prior to that being returned CareCredit tried to draw my payment out a second time, which was rejected again. They then closed my account without any notice to me prior. They stated to be it was due to my payment being rejected twice. Prior to this I had not missed one payment and I honored the mixed up payment within 5 days of it happening. I know others who have accounts with the CareCredit lender ( Synchrony bank ) that have been late with their payment multiple times but did not have their account closed!

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 2023-12-19 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: IL

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
On XX/XX/, I was trying to buy an XXXX pocketknife on-line. I found the knife at https : XXXX for a great price. I ordered it and the site shifted me to PayPal to complete the transaction. I clicked through the menus to approve the transaction. At the end though, PayPal informed me I had signed up for an automatic payment which recurred every 2 days. I immediately canceled the " subscription '' but PayPal had already transferred {$96.00}, Transaction ID XXXX. 
I filed a complaint on XX/XX/XXXX, Case ID : XXXX, that the charge wasn't authorized and was a scam. PayPal rejected my claim and closed the dispute since " After our review, we found that certain transactions weren't unauthorized and hence couldn't be covered by PayPal Purchase Protection. '' They will no longer allow me to dispute or make a claim against this charge and refer me to the " seller '' for a refund. I have attempted to contact the seller on XX/XX/XXXX, XXXX, XX/XX/XXXX and the XXXX, but have received no response. I can only assume it is a scam, since it sells a subscription on a website claiming to sell consumer goods.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-19 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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

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 2023-12-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 
EASTERN ACCOUNTSYSTEM XX/XX/2023 {$55.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Refer to the attached documents. I request the bureau to initiate an investigation into these accounts. I have never been late, but they are erroneously reporting me as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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 pulled my credit report on XX/XX/2023 and found inaccurate account data from XXXX XXXX XXXX XXXX. This account is in violation of certain laws that Congress passed to protect consumers such as myself. 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting. 

This account is clearly reporting incorrectly and clearly needs to be deleted immediately because of the violation.

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