vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-05 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: MS

Complaint narrative:
On XX/XX/2021 I received my credit report showing several payday loans from this company. ( XXXX XXXX ) I was not aware of this loan and reached out the company to dispute these charges. I sent the debt validation letters to all 3 credit bureau and I never received any documents. I was requested to provide my ssn, birth certificate and drivers license to the bureau. Once I submitted that information to get my account verified the bureau then used my information to update all of my inaccurate personal information on my credit reports. XXXX XXXX then used that information and updated it on their end and then sued me. Even after I contacted them stating this loan has been obtained via identity theft. They used my accurate information to put the loan on myself. That is illegal. This is against my rights as a consumer.

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 2023-01-05 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: MS

Complaint narrative:
On XX/XX/2021 I received my credit report showing several payday loans from this company. ( XXXX XXXX ) I was not aware of this loan and reached out the company to dispute these charges. I sent the debt validation letters to all 3 credit bureau and I never received any documents. I was requested to provide my ssn, birth certificate and drivers license to the bureau. Once I submitted that information to get my account verified the bureau then used my information to update all of my inaccurate personal information on my credit reports. XXXX XXXX then used that information and updated it on their end and then sued me. Even after I contacted them stating this loan has been obtained via identity theft. They used my accurate information to put the loan on myself. That is illegal. This is against my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/2021 I received my credit report showing several payday loans from this company. ( XXXX XXXX ) I was not aware of this loan and reached out the company to dispute these charges. I sent the debt validation letters to all 3 credit bureau and I never received any documents. I was requested to provide my ssn, birth certificate and drivers license to the bureau. Once I submitted that information to get my account verified the bureau then used my information to update all of my inaccurate personal information on my credit reports. XXXX XXXX then used that information and updated it on their end and then sued me. Even after I contacted them stating this loan has been obtained via identity theft. They used my accurate information to put the loan on myself. That is illegal. This is against my rights as a consumer.

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 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I would like to file a complaint on both agencies XXXX and Experian for reporting inaccurate information in regards to one account XXXX XXXX XXXX XXXX. I have gotten results back from both agencies and both agencies are reporting XXXX different XXXX removal dates within a XXXX  month difference for this XXXX account to be removed which is impossible if they were reporting the information the creditor has furnished to them correctly. XXXX results has verified this account as accurate. 

XXXX  results XX/XX/XXXX federal XXXX  year removal date XX/XX/XXXX Experian results XX/XX/XXXX federal XXXX  year removal date XX/XX/XXXX to my understanding 1681i ( a ) ( 5 ) ( A ) ( i ) if AFTER any reinvestigation a item remains inaccurate, incomplete or can not be verified the reported item is suppose to either be Modified to the maximum possible accuracy 1681e ( b ) or Deleted. This account has not been modified accurately. how is it possible that both agencies conducted a investigation with the same creditor and supplied me with results but both results reflect different FEDERAL information. the payment histories with both agencies report OK or NO DATA, there is no date of commencement of the delinquency, no last payment, no late pays leading up to the charge off status, further more proving that both agencies are not even reporting information in the payment history to help them determine the federal removal date. Both agencies payment histories on this XXXX account are INCOMPLETE but XXXX has the audacity to verify this account as accurate? to my understanding according to 1681c ( c ) ( 1 ) the 7 year period shall begin on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Such date is required to report and report accurately with respect to any delinquent account. Both agencies are reporting inaccurate and incomplete information and have illegally re-aged this XXXX account and is not reporting what XXXX XXXX XXXX has furnished to them correctly. I've disputed with the consumer reporting agencies and gave them a chance to fix this account on numerous attempts, I have disputed with XXXX XXXX XXXX under XXXX tracking XXXX and waiting for there response in the mail.

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 2023-01-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion has sent me 12 letters in regards quote : TO PROTECT ME THE CONSUMER THEY CANT GRANT ME DISPUTE REQUEST TIL NI SEND THEM PROPER IDENTIFICATION there XXXX  and responses are frivilous I sent them Passport State ID and Copy Of My Bank Statement as well attached again with this CFPD Complaint since I have 22 open complaints against XXXX XXXX TransUnion at CFPB lack of responsabilitys to enforce I am asking all 22 open cases to be closed as I have exhausted myself with this XXXX XXXX XXXX XXXX XXXX agency CFPB and exerciscising my right with Attorney to represent me, attached is my last of many open complaints here AGAIN FOR THE RECORD PASSPORT STATE ID AND BANK STATEMENT ( TRANSUNION JUST GOT ADDED TO THE LAWSUIT ) CFPB PLEASE BE ADVISED IAM GATHERING INFORMATION TO SEE IF I CAN ADD AS WELL you have closed and responded many and tagged it as duplicate THESE 3 CREDIT BUREUS AS WELL AS ME XXXX XXXX XXXX XXXX XXXX AND THESE 3 IN REGUARDS NO HOW TO MANIPULATE YOUR SYSTEM the attached is AGAIN proof that TransUnion as well XXXX responses are not alone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhey can do what ever there hart desires CFPB YOUR NOT AT ALL HERE TO PROTECT US YOUR JUST A MIDDLE PERSON PROVIDING PUBLIC INFORMATION were investigating if your even publishing this XXXX SEE ALL LIABLE IN COURT MARK MY WORD

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 2023-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX correct. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states consumer report furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I was notified that a collection was placed on my account from XXXX so I immediately contacted XXXX to dispute it because XXXX was notified by me that my phone and documents were stolen long time ago and so I called the company ( XXXX ) to ask why I have a collection from them ( and to remind them that the phones was paid off ) and also notified them that my phone and important cards were stolen and I dont have access to the XXXX account to report what was going on the XXXX representative informed me that someone made a payment on XX/XX/XXXX ( that conversation happened on XX/XX/XXXX ) and she continued to say that my credit report shouldnt have a collection on it I was told by the representative that they will put a note on the account and remove it now today XX/XX/XXXX I am getting a notification from XXXX that they updated it and placed it back on my credit reporti immediately contacted XXXX XXXXXXXX XXXX to dispute it again and I contacted the XXXX XXXX again and the XXXXXXXX XXXX XXXX XXXXXXXX were acting suspicious asking me for address after she asked me for phone numbers and email on file. I asked her why she needed my address as she shouldve pulled it up when she put my phone number in and i told her not to update my address in the system because I know that theyre trying to pin account to my name so I told her I need to speak to her supervisor because shes being unprofessional by telling me that Im still obligated to pay for a service that I dont have nor owe any money on. She told me that shes going to connect me to the department that deals with the collection which is a different company named receivable performance management, a debt collection agent, but I keep getting reconnected to various representatives from XXXX for XXXX XXXX. No one from the collection department was answering the phone, so I just keep getting reconnected to XXXX Im super frustrated at this point.

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 2023-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I've been paying too much for 2 years and they will not give me a payout option or refinance option the vehicle is at {$150000.00} miles and they won't even send me a new updated payment book which I lost the first one to know where I'm stand and how many payments I have left they never respond to me and one time on the phone they tried to be little me over One late payment.

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 2023-01-05 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
In XXXX of XXXX I contacted Credit Acceptance and ask for them to send my all my documents concerning information reporting on my credit. Also in XXXX of XXXX I received copies of electronic of documents I didnt sign at all. I called credit acceptance and told them on XX/XX/XXXX that there is a forged signature on the documents that in fact the signature on the documents was copied from another paper that was signed. I was told that I would have to wait 3 days to hear back from them. On XX/XX/XXXX I received a called and was told to give my signature to them through an email so they could do an investigation. I sent over all my documents and informed them that the signature on the alleged documents on file was forged I said it is mines but I didnt sign it. Someone placed my name on the documents. I told them that none of my signature are the same at all in for two signature to be identical leads me to believe that it was forged. They said they will run an investigation and it could take a long time. No later than 15 to 20 mins I was told that the investigation was done and that they cant prove that this is false. I asked them how did they come up with the determination. They told me because none of my signature are consistent and because nobody signature is consistent thats how they came up with the decision. I told them well do you guys have a signature expert they tell me no they dont. To take it further I spoke to a higher manager who told me because I have one peace of evidence that it doesnt require a investigation and do I know what this would look like on there end. She also asked me why did I take so long to say something seeing I had this contract from XXXX. I told her I just so happen to see it once the information was sent to me by them I explained more to the lady that if she looks at the paper and evidence I sent she can see that two signature are identical. That none of my signature are the same and she said she not going to investigate any claim just because of one piece of evidence. They lady say I was paying on a vehicle for a whole year before they took it. This whole account was done in a fraudulent way the dealership is no longer open and is permanently closed at that. The dealership placed in fact that I put down {$3500.00} when I only gave them {$200.00}. This issues with credit acceptance has been ongoing. Before the vehicle was repossessed they told me to make a payment Ive made one then they repo the vehicle right after the payment was made.

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 monetary relief
Consumer complaint received 2023-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: UPGRADE, INC.
State: ID

Complaint narrative:
I took out a personal loan on XX/XX/XXXX with UPGRADE to pay off other debts. I have yet to receive a statement for this loan. I contacted UPGARDE on XX/XX/XXXX, to inquire as to why I have not received a statement and I was advised " our personal loans do not generate statement due to the fixed amount of the monthly payments. '' This is a line of credit ; therefore, a statement must be generated for the consumer ( me ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX XXXX and may have got into the hands of the wrong person.

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 2023-01-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XXXX - XXXX. My bank takes out from an account that has no money in it then proceed to charge the bank fees. This happens every other week. Either they take money not authorized or from an account that has no money. Or an account that belongs to my daughter SSI XXXX  benefits. Most of they charges that put me in debt are the bank charges. Wells Fargo. And when I go to close out the accounts I can't for some reason or another. And it takes an average of 45 minutes to get a person to talk to

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 2023-01-05 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: TX

Complaint narrative:
I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-01-05 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: TX

Complaint narrative:
I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-01-05 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: FL

Complaint narrative:
NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information.

Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 

XXXX ) I have not initiated any transaction with XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with onemain for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

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