vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act ( TRANSUNION ), has violated my rights. XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. also states a consumer reporting agency can not furnish a account without my written instructions. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-02-26 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: NC

Complaint narrative:
Please take notice that this complaint will constitute a Pre Arbitration / Litigation Demand Notice There is an account reporting as a collection on my credit report from the debt collector named XXXX XXXX XXXX in the amount of {$2200.00} with interest accruing every month for a Rental Lease for an apartment Unit which was not on the Lease contract that was provided when I reached out to the debt collector and asked for them to Validate the debt. I have attached the Debt Collectors Debt Validation response. If you examine the Rental Agreement, you will notice that the Unit referred to in the agreement is unit # XXXX which the lease was paid in full however XXXX XXXX XXXX is stating that I owe them for Unit # XXXX which is false and misleading because I lived in unit # XXXX before I moved to my current address. This is evidence that inaccurate information is being reported. I have sent disputes to XXXX disputing the accuracy of the account and it came back verified every time. This is evidence that XXXX is violating the Fair Credit Reporting Act. In accordance with the Fair Credit Reporting Act I am requesting a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contracted in connection with the dispute. Furthermore, I am demanding prompt removal of this account from my credit report and compensation in the amount of {$2500.00} for damages caused by this inaccurate report being validated which caused for me to be denied for credit which harmed my livelihood. Failure to remove the derogatory account and compensate me for damages will force me to initiate arbitration.

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 2024-02-26 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: FC HoldCo LLC
State: CA

Complaint narrative:
Flagship claims they have no files or any oof my personal information but have an. hard inquiry furnished on my credit repots. Since they claim to have no records I am officially opting out of ay and all consent ( verbal, written, electronic ) of any reporting of any of my personal private information IF YOU FAIL TO CO\OMPLY I WILL BE FORCED TO CONTACT THE SEC FTC AS WELL\L AS THE IRS

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 2024-02-26 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 did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Entered and was approved for a 12 month repayment plan. Today plan was canceled with no explanation or notice

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 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern. I ask that you rectify this mistake promptly by updating my 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 2024-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I incepted this loan with Credit Acceptance Corp last XXXX of XXXX. I made 10 payments on time with the assurance that I would be able to refinance the loan with a cheaper interest rate. 

The purchase price of my XXXX XXXX XXXX XXXX was XXXX dollars. It was sold to me as original with very low miles. However, the truck is not original and has been modified and the vehicle history report does not reflect that. Also the dealer is misrepresenting 'limited warranty ' from this lender when it is in fact a very limited 'vehicle service contract '. 'Gap insurance ' was also placed onto the loan with other unknown products and the actual value of the loan is about 195 % of the purchase price. 

I have attempted to refinance the truck but because of the modifications and its age no other 3rd party lender will touch it. As such I am having to surrender the truck to Credit Acceptance Corp under threat, duress and coercion. 

Upon researching Credit Acceptance Corp I have discovered that this company has several active cases in other states, and has settled an action in the state of Massachusetts with CFPB, therefore I contacted you via this portal.

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 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I received a refund advance loan from XXXX XXXX that was sent to my Credit Karma spend account ( XXXX XXXX  ). My account was closed the same day that the funds were transferred to my account. 

I had previously requested them to change my name from XXXX to XXXX because that is my legal name. They emailed me and requested documentation to show the name change. I provided the information using the link to their website. They claim that it was never uploaded so they closed my account. 

I requested them to change my mailing address on XX/XX/XXXX. They asked for the information and told me they would have their " special team '' make the changes. I waited a week and called back. I was told at that point that I would need to provide documentation showing my new address. I uploaded the documentation and called to verify that they had received it. They told me that the special team is still working on changing it and to wait for an email. They sent an email 3 weeks later and said that the utility bill i sent was blurry and I needed to resend it. I uploaded a new utility bill on XX/XX/XXXX and I can't wait another month for this issue to be resolved. 

They told me that my tax return money would be rejected because they closed the account and that I would be receiving a pair check from the IRS. I called them this morning and they are telling me that they are not going to reject the deposit and that I have to wait for them to make the proper changes before they can send the check. They now have almost {$11000.00} of my money and I have no faith in them. I am starting to think that they will never send it to me. 

The address that the check needs to be sent to is : XXXX XXXX XXXX XXXX 
XXXX XXXX, TX XXXX I have attached a utility bill showing my current mailing address. 

The case number that they gave me is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-26 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: MD

Complaint narrative:
There was hard inquiry on my report XX/XX/XXXX by XXXX XXXX which I did not authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: MD

Complaint narrative:
There was hard inquiry on my report XX/XX/XXXX by XXXX XXXX which I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: MD

Complaint narrative:
There was hard inquiry on my report XX/XX/XXXX by XXXX XXXX  which I did not authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: MN

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 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
ON XXXX 2023 Capital one credit card charged me a XXXX fee for my account and then sent me a card that was never activated. The company never notified me of the card or to even activate the card. I called them and they told me the card is not attached to the account so even if I activated or did not activate the card I still have to pay fee 's. I do not even have this account a year and they will not reimburse me, for a card I never used or activated. I also had rewards of XXXX and they kept that as well. 
I spoke with XXXX XXXX supervisor from out of the country and then she switched me to XXXX who stated she was from the united states. From her own statement she said was trying to say the card is not attached to the account which makes not sense. No text no email that a card was sent out. But, they sent out text that your statments are ready. This makes not sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: SC

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal 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 explanation
Consumer complaint received 2024-02-26 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: NM

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2024-02-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: CO

Complaint narrative:
USBank is stating I had a 60 delinquency as of XX/XX/23. However, the HELOC was paid in full and closed on XX/XX/23. 

In XXXX, I paid the minimum amount due using the online payment system. USBank is stating I was short {$16.00} on that payment. I paid {$1000.00} and USBank says that I should have paid {$1000.00}. At time of payment, my checking account had over {$4900.00} and paying the additional {$16.00} would not have been an issue. 

I filed a dispute, they said what they are reporting is accurate. I spoke to my bank manager and she escalated to the Regional Manager in XXXX Colorado. They stated I needed to again dispute with their team and provide additional information. 

I am trying to refinance my home, and these two 60 day delinquencies are impacting my credit score very negatively and I will not be able to re-fi and will cost me thousands.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2024 I notice an incorrect public record on my Experian Credit report. XXXX XXXX XXXX, Record type Bankruptcy : XXXX Files Original Filing date is XX/XX/2024.

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 2024-02-26 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 want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts 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 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2023, I signed up for a timeshare account with XXXX XXXX XXXX  ( XXXX ). At the same time, XXXX opened a Hilton American Express credit card account in my name to make a payment for the timeshare. ( Reference Credit card ending in XXXX in the name of XXXX XXXX XXXX for {$4000.00}. Am Ex reference number XXXX ) Soon thereafter and after consulting with an attorney, I was able to cancel the timeshare. The legal reasons for the termination were ( among others ), it was an unconscionable agreement, it lacked consideration, there was misrepresentation and a lack of attorney representation. The timeshare was never used. 

I transferred deeds back to XXXX and waived all my rights to the timeshare. 

Thereafter, effective XX/XX/2023, I received confirmation from XXXX that the timeshare contract had been cancelled and the associated vacation ownership interest had been transferred back to XXXX. Please see attached letter. 

The credit card was not used for any other purchase. We requested the credit card charge be taken off and the credit card could not be cancelled. On XX/XX/2023, we received a letter from American Express saying they could not remove the charge as the merchant had not cancelled the agreement. They urged us to resolve the matter directly with XXXX. 

XXXX has now cancelled the timeshare agreement. We have resolved the matter with the merchant per the direction of American Express. Therefore, there is no valid charge that should remain on the credit card. We have written American Express numerous times with no reply. 

Please have the charge removed from the credit card immediately so that my good credit can be restored. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-26 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: GA

Complaint narrative:
I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX XXXX report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

XXXX XXXX - XXXX Last XXXX digit of SSN : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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:
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.

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 2024-02-26 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: TX

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.

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