vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-17 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: TX

Complaint narrative:
I am XXXX XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: TX

Complaint narrative:
I am XXXX XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-10-17 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:
I would like to dispute the following items on my credit report. 

XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX TransUnion : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: TX

Complaint narrative:
I would like to dispute the following items on my credit report. 

XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Experian : XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: TX

Complaint narrative:
I am a victim of identity theft I have sent numerous of letters to XXXX because they have been reporting XXXX accounts that are a result of identity, theft and fraud. This company continues to report false information on my credit report despite being sent. They continue to violate my rights as a consumer by reporting in accurate information, despite being sent the proof. Rent recovery solutions is another account that is reporting false information to an address that I never lived at. They had also been sent a letter as well and they refuse to remove this account instead they keep removing this account and re-adding this fraud account to my credit report. 

Rent Recovry Solutions Accounts XXXXXXXX {$1100.00} XXXX {$580.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: VA

Complaint narrative:
Aggravated Identity Theft Pursuant to 18 U.S.C 1028A. In general : Whoever, during and in any felony Violation Enumerated in Subsection ( c ). Knowingly Transfers, or Used, without lawful authority, ameans of Identification of another per shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. I am a victim of identity theft please block and remove these accounts immediately. 

Account Name : XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: GA

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : Bankruptcy - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$25000.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-17 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: TX

Complaint narrative:
I bought a used vehicle through XXXX  on XXXX i believe and financed thru XXXX. 
I was paying the payments on time but XXXX was rough for me since i lost my business and it got shutdown and my financial situation shattered. My wife doesnt since we have a XXXX XXXX girl. 
So i called XXXX  because i was late on payment. I told my situation. The person understood and told me they will lower the monthly payment for 2 months i believe. not to sure. and they said it will go back to regular payment. And also they promised they wont report to credit companies as late payment. now that i have been working and making payments on time. To my surprise they did reported and it hurt my credit. They lied to me. and a week ago i texted and ask them to remove it since i am planning to buy my first house. I plead them N they said no. I m hopeless and helpless. 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 2024-10-17 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: TX

Complaint narrative:
I bought a used vehicle through XXXX  on XXXX i believe and financed thru XXXX. 
I was paying the payments on time but XXXX was rough for me since i lost my business and it got shutdown and my financial situation shattered. My wife doesnt since we have a XXXX XXXX girl. 
So i called XXXX  because i was late on payment. I told my situation. The person understood and told me they will lower the monthly payment for 2 months i believe. not to sure. and they said it will go back to regular payment. And also they promised they wont report to credit companies as late payment. now that i have been working and making payments on time. To my surprise they did reported and it hurt my credit. They lied to me. and a week ago i texted and ask them to remove it since i am planning to buy my first house. I plead them N they said no. I m hopeless and helpless. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: TX

Complaint narrative:
I bought a used vehicle through XXXX  on XXXX i believe and financed thru XXXX. 
I was paying the payments on time but XXXX was rough for me since i lost my business and it got shutdown and my financial situation shattered. My wife doesnt since we have a XXXX XXXX girl. 
So i called XXXX  because i was late on payment. I told my situation. The person understood and told me they will lower the monthly payment for 2 months i believe. not to sure. and they said it will go back to regular payment. And also they promised they wont report to credit companies as late payment. now that i have been working and making payments on time. To my surprise they did reported and it hurt my credit. They lied to me. and a week ago i texted and ask them to remove it since i am planning to buy my first house. I plead them N they said no. I m hopeless and helpless. 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 explanation
Consumer complaint received 2024-10-17 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: Ava Finance, Inc
State: NC

Complaint narrative:
Remark code added to XXXX XXXXXXXX account Between XX/XX/year> and XX/XX/year>, the following remark was added to this account : Dispute resolved ; customer disagrees. 

Remarks are meant to make your report more clear. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. 
Remark code removed from XXXX XXXX account Between XX/XX/year> and XX/XX/year>, the following remark was removed from this account : Account information disputed by consumer, meets FCRA requirements. 

Remarks are meant to make your report more clear. If you're not sure why this remark was removed from your report or where it came from, you can contact your creditor or the credit bureau for more information. This dropped my score 65 pts i have not used this company in months and i left on good standing?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Debt collection or collector having my personal information or putting information on collection that I don't recognize or owe to them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I bought a used vehicle through XXXX  on XXXX i believe and financed thru Bridge-crest. 
I was paying the payments on time but XXXX was rough for me since i lost my business and it got shutdown and my financial situation shattered. My wife doesnt since we have a XXXX XXXX girl. 
So i called bridgecrest because i was late on payment. I told my situation. The person understood and told me they will lower the monthly payment for 2 months i believe. not to sure. and they said it will go back to regular payment. And also they promised they wont report to credit companies as late payment. now that i have been working and making payments on time. To my surprise they did reported and it hurt my credit. They lied to me. and a week ago i texted and ask them to remove it since i am planning to buy my first house. I plead them N they said no. I m hopeless and helpless. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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 need your help with the inaccurate account showing on my credit report. I brought this to your attention because its affecting my reputation as a customer. These accounts are reported wrongly and need to be taken off.

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 2024-10-17 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: VA

Complaint narrative:
Aggravated Identity Theft Pursuant to 18 U.S.C 1028A. In general : Whoever, during and in any felony Violation Enumerated in Subsection ( c ). Knowingly Transfers, or Used, without lawful authority, ameans of Identification of another per shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. I am a victim of identity theft please block and remove these accounts immediately. 

Account Name : XXXX XXXX Account Number : 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 2024-10-17 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-17 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:
My name is XXXX XXXX, and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists credit card opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, revolving accounts opened at XXXXXXXX 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 XXXXXXXX opened on XX/XX/XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage paid the wrong insurance company when I contacted them they paid the new insurance and informed me that when the old insurance company 's sent me a check I was to send it to them so I sent them a check for {$4500.00} {$760.00} was for XXXX rent and the balance for the escrow shortage their records show that they paid XXXX and XXXX rent and said they put {$3000.00} into my escrow account on XX/XX/XXXX I sent a rent payment of {$760.00} which would of been XXXX rent they have charged me over {$300.00} in late payments hung up in my face twice damaged my credit all my rent is caught up they even took a payment of {$700.00} from me yesterday when I am not behind what I need is for them to find the missing {$3700.00} and replace it back in to my escrow account and clear my name with the credit bureau.

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 2024-10-17 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: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upstart Holdings, Inc.
State: NJ

Complaint narrative:
Upstart only provided a letter stating that this was sold to XXXX XXXX XXXX. I was not provided with any other documents. i need this fraud company to removed this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: MD

Complaint narrative:
RE : XXXX XXXX Request To Whom It XXXX Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$00.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
Wells Fargo bank opened XXXX add-on products without my consent also Wells Fargo bank closed my bank account rendering my ability to make purchases at critical times of need XXXX XXXX required online purchases XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and rendering my ability to gain credit when filling out credit application the application ask if I have a bank account checking or savings also I would like to file a lawsuit against Wells Fargo bank for discrimination based on race XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma, LLC
State: AR

Complaint narrative:
CreditKarma.com ( CK ) sometimes promotes credit card offers as follows : " Karma Guarantee : You'll be approved or CK will pay you {$50.00}. '' Yesterday I received such an offer when I logged-in to my CK account. The offer was for a XXXX XXXX XXXX. 

I applied for the XXXX XXXX XXXX on CK 's recommendation and with the understanding that I would received either the credit card from XXXX or {$50.00} from Credit Karma. 

XXXX declined my credit application. So I checked CK 's " Help '' section to find out how to claim my {$50.00}. CK provides no means for me to " claim '' the {$50.00} that they promised. Instead, their website states that they will send me an email with further instructions. 

I have received no email or instructions from CK on how to claim my {$50.00} ( and I have check my spam folder as well as my inbox ). This is the same email address that I use to log-in to CK, so they have my correct email address on XXXX At least twice in the past I've applied for credit cards in response to CK 's {$50.00} offer, and I have never received any payment from them even when the application was declined. At best, this cash reward program seems to be poorly managed. At worst, it resembles a scam.

Company response to consumer: Closed with monetary relief