vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Company has reported Transactions and Experiences to my consume report that is inaccurate and has caused severe harm to my personal general mode of living

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Company has reported Transactions and Experiences to my consume report that is inaccurate and has caused severe harm to my personal general mode of living

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 2024-11-24 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: UT

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-11-24 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: FL

Complaint narrative:
In XXXX, XXXX me and my husband did a COVID surrender of our XXXX XXXX XXXX XXXX. It was financed with XXXX XXXX XXXX. This was due to a loss of income. XXXX sold the vehicle and turned the account over to collections with XXXX XXXX XXXX XXXX We settled this collection on XXXX XXXX, XXXX. I sent a letter to the credit reporting agency with this information. I requested that the XXXX account reporting get up dated from charged-off to settled in the comments. They refused. I have been trying to have this corrected for two years, This is unacceptable. XXXX XXXX XXXX XXXX was removed but XXXX was not updated.

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 2024-11-24 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: FL

Complaint narrative:
In XXXX, XXXX me and my husband did a XXXX surrender of our XXXX XXXX XXXX XXXX. It was financed with XXXX XXXX XXXX. This was due to a loss of income. XXXX sold the vehicle and turned the account over to collections with XXXX XXXX XXXX XXXX We settled this collection on XXXX XXXX, XXXX. I sent a letter to the credit reporting agency with this information. I requested that the XXXX account reporting get up dated from charged-off to settled in the comments. They refused. I have been trying to have this corrected for two years, This is unacceptable. XXXX XXXX XXXX XXXX was removed but XXXX was not updated.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Several credit cards have been taken out in my name that I have no knowledge of. The account are as follows.XXXX XXXX XXXXXXXX opened XX/XX/XXXX for the amount of {$2000.00}. XXXX  XXXX opened XX/XX/XXXX for the amount of {$450.00} which is now in collections. This complaint is being filed to request pursuant to FCRA that you the TransUnion credit reporting agency block information appearing on my consumer credit report that is a result of fraud and identity theft within a reasonable time frame of you receiving in this complaint. These accounts have resulted in several hard inquiries and collections on my FICO score profile. My FTC case number is XXXX for reference.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-11-24 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: FL

Complaint narrative:
I was looking at my credit report and noticed that there are hard inquiries that are not mine on there.

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 2024-11-24 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: AL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account ( XXXX XXXX XXXX XXXX XXXXXXXX ) that was in fact paid in time. the consumer reporting agencies need to report all information with complete accuracy. I do not agree with your response on XX/XX/XXXX, XXXX so therefore I am now requesting to reinvestigate and provide verifiable proof with records showing that I had late payments. If verifiable proof and information can not be verified I demand these payments be updated to paid on time immediately or the account be removed. This inaccuracy has affected my report gravely. Thank you kindly.

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 2024-11-24 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: AL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account ( XXXX XXXX XXXX XXXX XXXXXXXX ) that was in fact paid in time. the consumer reporting agencies need to report all information with complete accuracy. I do not agree with your response on XX/XX/XXXX, XXXX so therefore I am now requesting to reinvestigate and provide verifiable proof with records showing that I had late payments. If verifiable proof and information can not be verified I demand these payments be updated to paid on time immediately or the account be removed. This inaccuracy has affected my report gravely. Thank you kindly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: CA

Complaint narrative:
Violation of 15 U.S.C. 1662 and Applicable Consumer Protection Laws Truth in Lending Act ( TILA ), 15 U.S.C. 1666, regarding a vehicle purchased on XX/XX/2022, at your dealership, XXXX XXXX XXXX XXXX. The transaction was a consumer credit agreement, involving a down payment of {$7000.00} on the purchase. However, this down payment was not properly applied to my loan as promised, resulting in financial injury and fraudulent misrepresentation Additionally, it has come to my attention that your dealerships requirement of a {$7000.00} down payment for my transaction violates Regulation Z ( 12 C.F.R. 1026 ), as such payments must be consistently applied to all customers in similar transactions. Selectively demanding down payments violates federal prohibitions against discriminatory or unfair lending practices under the Equal Credit Opportunity Act ( ECOA, 15 U.S.C. 1691 ).

Violations of Federal Law Misrepresentation in Financing Terms ( 15 U.S.C. 1662 ) : The dealership falsely represented the financial terms of this transaction by stating that the {$7000.00} down payment would reduce the total cost of the vehicle. This was a violation of 15 U.S.C. 1662
, which prohibits false or misleading statements in credit advertising.

Unfair or Discriminatory Lending Practices ( ECOA, 15 U.S.C. 1691 ) : Under the Equal Credit Opportunity Act, creditors must ensure fair treatment for all borrowers. Selectively requiring a down payment for my transaction while not requiring similar terms for other customers constitutes a discriminatory and unfair practice.

Breach of Duty Under Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ) : Your failure to disclose accurate terms and properly apply the {$7000.00} down payment to the loan balance constitutes a material violation of TILAs disclosure requirements, specifically regarding the accurate computation of the finance charge and total cost of the loan. Unfair and Deceptive Practices ( Federal Trade Commission Act, 15 U.S.C. 45 ) : T
he dealerships conduct qualifies as an unfair or deceptive act under the Federal Trade Commission Act, as the terms promised to me during the transaction were knowingly false and designed to defraud me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Its been over 2 years since Ive tried to have the vechile repossessed because the car was a lemon & they havent been able to pick it up for 2 years now so Im tryin to file a claim to lean sale the car

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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 have requested the removal of unauthorized credit inquiry/inquiries on my credit report from all three credit bureaus and upon checking, my latest credit report STILL shows inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 
Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Permissible Purposes of Consumer Reports- requesting proof of permissible purpose from the entity

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 2024-11-24 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: UT

Complaint narrative:
Sent certified letters to XXXX ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX to provide proof that I consented to the inquiries below that are being reported on my credit report. Asked that they remove the below inaccurate inquiries and no response was provided. 

XXXX XXXX XXXX, inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, inquiry date XX/XX/XXXX XXXX XXXX, inquiry date XX/XX/XXXX XXXX XXXX, inquiry date XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: UT

Complaint narrative:
Sent certified letters to XXXX ( XXXX XXXX XXXX, XXXX, GA XXXX on XX/XX/XXXX to provide proof that I consented to the inquiries below that are being reported on my credit report. Asked that they remove the below inaccurate inquiries and no response was provided. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WA XXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX XXXX, SC XXXX Debt Validation Request To whom this may concern, I am writing in response to a debt collection notice I received from your agency regarding the alleged debt you contacted me by email, and identified the debt as XXXX, in the amount of {$600.00}. Before I proceed with any further actions, I would like necessary information to be provided to validate the accuracy of this debt. 

As you are aware, according to the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify within 30 days. Please provide and respond to the requested information below : -Document proving ownership of the debt -Proof of how the company assess the debt and current balance ( Are there any additional interest, fees or charges that may have been added since the last billing statement from the original creditor ) -Payment history from the original creditor & the final payment made on the account -Copy of the original contract bearing my signature of agreement -Chain of title on the debt -Bill of Sale -Have you determined that the debt is within the statute of limitations applicable to it? Please provide the statute of limitations expiration date for this debt. 

Please also provide proof that LVNV Funding LLChas the right to collect this debt within the state of Washington, I would also like proof of your current insurance bond. 

I am entitled to all information listed above and I request that you cease all collection activities until the debts validity has been verified and the requested information has been provided. 
Please be sure to forward all correspondence and documentation to the address provided above. 
Thank you for your time. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: UT

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-11-24 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: AL

Complaint narrative:
I have reviewed my credit report and found inaccuracy on my credit report. I am promised maximum accuracy in my credit report by law. according to 15 USC 1681 XXXX states that it shall follow reasonable procedures to assure maximum possible accuracy. In my credit report I find that a charge off has be reporting C/O every month thus extending the statue of limitations. Reaging the account is illegal. Not indication if the account has been sold is misrepresentation of account status and not reflection a transferred/sold/paid is double jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: Kikoff Inc.
State: NC

Complaint narrative:
Company has reported Transactions and Experiences to my consume report that is inaccurate and has caused severe harm to my personal general mode of living

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: GA

Complaint narrative:
I am disputing two accounts related to XXXX XXXX XXXX  that are inaccurately being reported on my credit file by Experian and XXXX. The details of the accounts are : Account # XXXX : This account was paid in full and closed as of XX/XX/XXXX, with a high balance of {$1100.00}. 
Account # XXXX : This account was paid in full and closed as of XX/XX/XXXX, showing no balance and marked as " paid and closed. '' These accounts have been fully resolved for years and no longer represent current obligations. Despite this, they continue to appear on my credit report and negatively impact my credit profile. Their reporting does not reflect relevance or timeliness, which violates the Fair Credit Reporting Act ( FCRA ). 

I have formally disputed these accounts with Experian and XXXX but have not received any resolution. Both accounts are beyond their practical relevance for my creditworthiness, and I am requesting their immediate removal.

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 2024-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: VA

Complaint narrative:
On XX/XX/year>, I attempted to withdraw {$800.00} from a PNC ATM at the XXXX at XXXX XXXX XXXX XXXX XXXX VA. The ATM began to handle the transaction and suddenly said declined just as it was about to dispense the money, no cash was dispensed, yet {$800.00} was deducted from my account. I still required the cash so I went to a physical PNC and withdrew the required funds. I filed a dispute, and the bank provisionally credited my account. However, without proper investigation of the ATM logs, the bank informed me they will reverse the credit, leaving me {$800.00} short. The bank should have access to ATM cash audit logs and error reports, which would clearly show whether the cash was dispensed. I have no receipt, but my bank statement reflects the deduction and subsequent actions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are unauthorized inquiry ( XXXX ) made on my credit report. 


me : XXXXXXXX XXXX Inquiry Date : XX/XX/XXXXXXXX  Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief