vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, 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: MO

Complaint narrative:
Fraudulent unknown unauthorized credit inquiries WITHOUT MY PERMISSIBLE PURPOSE. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in aconsumersfileat aconsumer reporting agencyis disputed by theconsumerand theconsumernotifies the agency directly, or indirectly through areseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate andrecordthe current status of the disputed information, or DELETE THE item from thefilein accordance with paragraph XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: GA

Complaint narrative:
I would like to dispute the accuracy of my credit report, which shows late payments on my accounts. I have always paid on time and have never been late with any payments, and it is therefore absurd that my credit report would indicate otherwise. Please update my credit report to reflect the correct payment history on my accounts.

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 2023-04-28 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: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
Rented apartment and they lost two money orders in two months so we were needing to move as they did not want to wait on payment of both. They took us to court, there was court judgement for SPECIFIC AMOUNT. XXXX. COURT! About a year or more after this company for management went out of business, this COLLECTION agency seems to have purchased docs and are trying to EXTORT the amount for entire lease which is not legal. When there is a court judgement for specific amount. The COURT has said this. We have spoken to COLLECTION company who is EXTORTING us and keeping this on our credit report many times and sent them the court order. They REFUSE to remove. At this point, the debt is over 6yrs old! From the ORIGINAL timing not the time they purchased papers. We want this removed or at the very min for this amount to be what is CORRECT BY COURT!! We moved in XX/XX/2017!! Again the amount the COURT ordered was paid. There should not be a way a COLLECTION company can purchase paperwork and try to charge you nearly XXXX for time you DID NOT LIVE at a complex!!!! The debt collection agency is XXXX XXXX and XXXX. - original creditor was XXXX at XXXXXXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: ND

Complaint narrative:
Recently called on XXXX XXXX about my credit getting messed up I was told that they are still reporting my payments late even though I am on a payment plan due to me not working I am consistently keeping in contact with them I started off late on XXXX XXXX XXXX  when hurricane ida hit and this company still was charging interest took months for city to get back up I wasnt working roof caved in was lot going on I told them that pause payment for two months then that was it but I was school bus driver and schools still were closed so had no income due to that they were aware of that they continued hitting my credit report ply this company has been sued plenty of time in other states for over charging interest in car loan as well as my state I recently found out they over charged me also Louisian state law says it is illegal for them to charge me over 12 % in interest charges which they did they violated the law by charging me 22.99 % in interest thats why I am still struggling to get rid of these payments with that being said I would Like them late payments to stop Hitting my report because I have been making payments every week I am on payment plan also would like them late payments removed from all three of my credit reports XXXX it is illegal to be reporting that I havent making any payments when I am

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 2023-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Services of Michigan
State: MI

Complaint narrative:
Company has provided no validation of treatment that was received by the dentist of detailed bill of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV FUNDING LLC claims that I owe a debt but they failed to present a contract that makes me liable for a debt I never applied for a loan or any credit application with LVNV FUNDING LLC or XXXX XXXX XXXX XXXX these company are in violation of Fair Debt Collection Practices Act. 15 U.S.C., Sec. 1601, 1692 a ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: GA

Complaint narrative:
I would like to formally dispute the presence of inquiries on my credit report, as I have no knowledge of them and believe them to be the result of fraudulent activity. Please take immediate action to investigate these inquiries and remove them from my credit report. I have attached supporting documents to aid in your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to request your assistance in resolving an issue regarding inaccurate information on my credit report. I have reviewed my credit report and found that there are inquiries, late payments, and collections listed that are in breach of the Fair Credit Reporting Act, specifically 15 U.S.C 1681.

The aforementioned information is in breach of the Contract of reporting act as it is incorrect, unjustified, and a defamation of character. Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions. I have not authorized these inquiries, late payments, and collections, and they do not reflect my financial history accurately. Therefore, I kindly requested that these items be removed from my credit report.

Due to these inquiries, and negative reporting have not been able to obtain housing which has been detrimental to my livelihood. Credit Reporting Act 15 U.S.C 1681 states that there should not be any damaging information on my credit report. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

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 2023-04-28 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to request your assistance in resolving an issue regarding inaccurate information on my credit report. I have reviewed my credit report and found that there are inquiries, late payments, and collections listed that are in breach of the Fair Credit Reporting Act, specifically 15 U.S.C 1681.

The aforementioned information is in breach of the Contract of reporting act as it is incorrect, unjustified, and a defamation of character. Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions. I have not authorized these inquiries, late payments, and collections, and they do not reflect my financial history accurately. Therefore, I kindly requested that these items be removed from my credit report.

Due to these inquiries, and negative reporting have not been able to obtain housing which has been detrimental to my livelihood. Credit Reporting Act 15 U.S.C 1681 states that there should not be any damaging information on my credit report. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

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 2023-04-28 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: International Computer Systems, Inc.
State: KS

Complaint narrative:
XXXX XXXX -- Created a Collection account. {$320.00} past due as of XXXX XXXX. 

This was sent to FIRST COLLECTION SVCS I've contacted FIRST COLLECTION SVCS -- and they told me to contact XXXX XXXX. 

XXXX XXXX has not returned my calls. Further I have a statement on my credit report to _call_ my personal number before opening any accounts. This is due to prior identity theft that is also listed on my credit report. 

XXXX XXXX allowed a fraudulent account to be opened in my name and then sent the unpaid debt to a collection company without seeming to verify anyone 's identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit card or prepaid 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: Block, Inc.
State: KY

Complaint narrative:
On XX/XX/21 I made 2 online purchases and about 10 mins into it after sending the money I found out that it was a scam so I immediately cancelled the transaction and notified my method of payment and explained to them wat happened and they told me that I would have to wait until it completed so I did and then they tell me to dispute the amount so I did and then they wrote me back and told me that they didn't see no error and denied my case not just once but 4 times one for XXXX and the other one is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I mailed my {$2800.00} rent check to my landlord on XXXX  On XX/XX/XXXX someone cashed a check that had been washed with a new recipient ( unknown to me ) for {$4800.00}. On the XXXX XXXX XXXX XXXX XXXX fraudsters have added tacky stuff to postal boxes so they can intercept mail. My landlord notified me at the end of the month that I was late on rent ( I was returning from maternity leave ) and I saw the fraudulent check and promptly alerted Chase. They opened an investigation, but sent me to the branch to close my account. The fraudster continued in XXXX to attempt to cash additional checks to my closed account, but I alerted Chase quickly whenever I saw the transactions. Despite my account being closed 1 or 2 checks still posted and I had to speak with Chase reps to get the funds reimbursed. Chase is working with the other bank and I've submitted documentation at their request on multiple occasions. Reps have confirmed that I should just wait and it can take over a year to be resolved, but I'm afraid the statute of limitations will run up soon and Chase will claim they aren't liable if the other bank does not respond. The last letter regarding this investigation was in XXXX ( fairly recent ), but just says it's in the other banks hands and Chase is not liable for the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
In XX/XX/XXXX, my credit card was used by a unauthorized user. Comenity quickly took action to investigate the problem and credited my account, however, in the meantime, they shut down the account and reactivated a new credit account. In XXXX, I paid off the balance due using the previous account number as the bill still referenced this number. In XXXX it was identified that my payment had not credited to the account. During this time, Comenity banking systems were hacked and customers could not access their accounts nor get assistance from the Customer Care Team. Eventually, their systems were restored. In XXXX, I was told that I would need to get a letter from my bill pay provider with the payment information for Comenity to investigate and identify where the payment went. Since then on a monthly basis, I continue to receive a bill from Comenity and I directly folllow up on the status of their investigation. On XX/XX/XXXX, Comenity issued a letter to me, advising the payment made was returned to me due to an invalid account number. No details as to where and when the money was returned. I immediately contacted them for this information as my bank has not received these funds. When contacting Comenity, they evade customer questions giving generic/standard responses. I escalated my call to a manager, that said she would inquire and get back to me within a couple days. However, this to was false, I never heard back from the manager. Since then, I received a new letter dated XX/XX/XXXX, advising that my " claim '' has been received and needs to be investigated and I should allow them up to 90 days for them to complete the investigation. I has spent endless hours trying to resolve this with Comenity. Each time I call, I get tossed around, and their staff seem to be uninformed on how processes work. It should be simple to provide the customer with bank/ACH information for the returned funds. My bank simply needs this information to locate the funds. I am done with worrying about this matter and need resolution. I would not recommend anyone to open an account with Comenity. I want to know what I can do to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: Aqua Finance, Inc.
State: GA

Complaint narrative:
Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. 

XXXX XXXX XXXX is reporting inaccurate information on my XXXX credit report. I have requested numerous investigations into this matter, one as recently as XX/XX/2023. I have not received any communication regarding this matter which is a violation of the law mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. Account opened XX/XX/2019 for {$810.00} U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I did not authorize the repossession to be reported to my 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 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Repeated attempts at resolving fraudulent activity on 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 explanation
Consumer complaint received 2023-04-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. XXXX XXXX XXXX was disputed on XXXX due to the account not being mine. I have requested multiple investigations for the company to provide proof that this is my account. The company has not communicated any information regarding the requests and therefore are in violation of the law listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CarMax, Inc.
State: TX

Complaint narrative:
My wife and I were pre-qualified for a car loan with XXXX XXXX. We took the letter to the dealership as told. The dealership ran our credit with other finance companies without XXXX signing approval for that. I ask the dealership why they didn't use the XXXX XXXX and he replied that XXXX XXXX did not approve us. I found out XXXX XXXX did approve us, but we needed to get more for our trade in then what the dealership were offering. I requested for the inquires to be removed from the finance companies since they have no signatures. Still on our credit report. Also, XXXX XXXX and Carmax running ads, get pre-qualify with no impact to your credit and they also have hard inquires on my report. 

XXXX, XXXX XXXX XXXX XXXX XXXX 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