vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
There are several billing errors in my contract. Under 15 USC 1640 Claim, you have failed to comply with these requirements and are in violation of these laws ( listed below ) : Plain Statement of Facts Fact, the Truth in Lending Act is intended to inform consumers about the cost of credit. 
Fact, the Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 

XXXX. Violation # XXXX - XXXX XXXX XXXX failed to provide proof of FULL DISCLOSURE to all matters dealing with the above loan and said agreement and contract as required by law in the Truth-in-Lending Act pursuant to 15 USC 6803. The law states I need to give written consent to give out my private information. It was sent to a third-party affiliate for approval, which is a violation because I didnt consent to it. The original lender willfully committed fraud of inducement in executing the contract through their lack of full disclosure. XXXX believes there is no proof to the contrary. 

XXXX. Violation # XXXX - XXXX XXXX XXXX brought forward and loaned its own 'CREDIT ' within the Transaction/Contract. Banks do not have the authority to create nor loan out credit and have committed unlawful acts of fraud and have violated SEC rules and regulations. XXXX believes there is no proof to the contrary, according to 16 CFR 433.1. The purchase money for the loan was already paid for when I put my signature on the documents. According to, 18 USC 8, all debts public or private are the obligation of the United States. 

XXXX. Violation # XXXX XXXX XXXX XXXX XXXX several violations : It wasnt a sum of all charges, my insurance is not included, and it was not cash in hand. Also, XXXX XXXX XXXX also violated my rights when they called me about the debt on several occasions, which under act 15 USC 1692 is a violation. 

XXXX. Violation # XXXX XXXX XXXX XXXX XXXX an illegal act under 15 USC 1605A by taking my {$10000.00} down payment on the car. It is against the law because this is a part of the finance charge. 

XXXX. Violation # XXXX XXXX XXXX XXXX committed an illegal act under 15 USC Code 1605 with the XXXX XXXX XXXX XXXX because it is NOT THE SUM OF ALL CHARGES and a finance charge can only be paid for money in hand. 

Under act 15 USC 1640 Relief, you are civically liable. 16 CFR 433.3 also states that only sellers that are exempt from these laws/codes if the consumer credit contract was written before XX/XX/1977.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Owed : {$8100.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX  XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance XXXX : {$1200.00} XXXX XXXX XXXX Owed : {$8100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. Update or correct the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
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.

FCRA 605 ( a ) ( 6 ) ( A ) 1 ) XXXX XXXXXXXX XXXX  ACCT : XXXX XXXX XXXX : {$1100.00} REQUESTED VALIDATION FROM COMPANY Attached I have a included what was FINALLY mailed to me after request were made by the CRAs. As you can see XXXX XXXX XXXX has FAILED to provide me with a copy of any form of signed written proof that this is my account The requested information of my written permission has not been given to companies that are reporting to Transunion, XXXX, and XXXX. Previous request of the CRA to provide me with this written proof of such authorization has gone UNANSWERED.

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 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. Update or correct the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, 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:
On XX/XX/XXXX this letter was sent to CFPB to have the creditor correct the errors on my credit report. After 30 calendar days the creditor has not responded. Prior to i faxed the mentioned creditor on XX/XX/XXXX and no response was noted. The creditor has not responded to any correspondence to have account removed as stated when the payment in full was taken.This letter is in regard to XXXX XXXX XXXX Account referencing the debt that was paid in full and I to paid the full amount in exchange for the following through correspondence with your customer service representatives. Your agreement was to accept the payment as payment in full. This payment was not be noted as a paid collection or a settled account. Your agreement was to remove any and all records of this account from all credit bureau reports. Upon receipt of a signed agreement to these terms, The amount was paid and accepted by your company. According to the Fair Credit Collection Practices Act, I have a right to dispute this debt if deemed necessary. If you do not respond to this letter within 15 calendar days, you can expect me to reach out for further clarification of this issue.Thank you in advance for your prompt response. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX, TransUnion, XXXX are reporting in accurate information. The dates are wrong and amounts are inaccurate I request all three bureaus to furnish proof of XXXX if these accounts are certified.

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 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX this letter was sent to CFPB to have the creditor correct the errors on my credit report. After XXXX calendar days the creditor has not responded. Prior to i faxed the mentioned creditor on XX/XX/XXXX and no response was noted. The creditor has not responded to any correspondence to have account removed as stated when the payment in full was taken.This letter is in regard to XXXX XXXX XXXX Account referencing the debt that was paid in full and I to paid the full amount in exchange for the following through correspondence with your customer service representatives. Your agreement was to accept the payment as payment in full. This payment was not be noted as a paid collection or a settled account. Your agreement was to remove any and all records of this account from all credit bureau reports. Upon receipt of a signed agreement to these terms, The amount was paid and accepted by your company. According to the Fair Credit Collection Practices Act, I have a right to dispute this debt if deemed necessary. If you do not respond to this letter within XXXX calendar days, you can expect me to reach out for further clarification of this issue.Thank you in advance for your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, 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:
On XX/XX/XXXX this letter was sent to CFPB to have the creditor correct the errors on my credit report. After XXXX calendar days the creditor has not responded. Prior to i faxed the mentioned creditor on XX/XX/XXXX and no response was noted. The creditor has not responded to any correspondence to have account removed as stated when the payment in full was taken.This letter is in regard to XXXX XXXX XXXX Account referencing the debt that was paid in full and I to paid the full amount in exchange for the following through correspondence with your customer service representatives. Your agreement was to accept the payment as payment in full. This payment was not be noted as a paid collection or a settled account. Your agreement was to remove any and all records of this account from all credit bureau reports. Upon receipt of a signed agreement to these terms, The amount was paid and accepted by your company. According to the Fair Credit Collection Practices Act, I have a right to dispute this debt if deemed necessary. If you do not respond to this letter within XXXX calendar days, you can expect me to reach out for further clarification of this issue.Thank you in advance for your prompt response. 
Sincerely, 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 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have submitted all required documents that indicating it was mistake regarding my late credit card payment Experian report that caused my XXXX XXXX dropped more than XXXX points. The Experian refused to bring my score back to previous level after removal of that record. 

I have contacted the Experian multiple times and filed complaints with different departments of financial services for this matter. Experian intentionally delay processing my request and refused to make change. 

Today I have received the refund check from the XXXX XXXX  indicating their error in my late payment issue and I have attached it for your reference, 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 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
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.

FCRA 605 ( a ) ( 6 ) ( A ) 1 ) XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX : {$1100.00} REQUESTED VALIDATION FROM COMPANY Attached I have a included what was FINALLY mailed to me after request were made by the CRAs. As you can see XXXX XXXX XXXX has FAILED to provide me with a copy of any form of signed written proof that this is my account The requested information of my written permission has not been given to companies that are reporting to XXXX, Equifax, and XXXX. Previous request of the CRA to provide me with this written proof of such authorization has gone UNANSWERED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
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.

FCRA 605 ( a ) ( 6 ) ( A ) 1 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$1100.00} REQUESTED VALIDATION FROM COMPANY Attached I have a included what was FINALLY mailed to me after request were made by the CRAs. As you can see XXXX XXXX XXXX has FAILED to provide me with a copy of any form of signed written proof that this is my account The requested information of my written permission has not been given to companies that are reporting to XXXX, XXXX, and Experian. Previous request of the CRA to provide me with this written proof of such authorization has gone UNANSWERED.

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