vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion, XXXX, and XXXX continue to report incorrect information on my consumer report that is causing confusion with my identity and mailing address. 

To put an end to the misconception my name is XXXX XXXX XXXX there should be no other spellings or variations of my name on my consumer report. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX there should be no other addresses listed on my report because these would be considered non mailing addresses and would cause a delay in me receiving my mail which is a federal crime. 

The credit bureaus are required to report 100 % accuracy are face penalties for each inaccuracy.

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 2024-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: NY

Complaint narrative:
I have another fraudulent debt collection attempt in the amount of {$1800.00} from CKS Prime investments. 
This is again from another account through XXXX XXXX company. 
I have a previous fraudulent account detected that CKS Prime investments recognized as not current and dismissed and closed the account and ceased collections. 
I am asking for that again with this account as it is not mine and I am still currently in open investigation for numerous fraudulent activity on my credit report. 
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 2024-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This company has reported to the credit bureaus false and inaccurate infortion that is damaging my credit and making me suffer along with im getting denied by landlords does not want to rent to me. This company is also violationf FCRA laws and trying to collect a debt they copies bill over a letter head paper 8 X11. I have proof that this company is not registered and does not does business in the state that there trying to collected a debt in which is another violation of my consumer rights. I have asked this company and the credit bureaus to show me proof of validation that i owe this debt to this company which continues to tell the credit bureaus they verified the debt but i never signed nor done business with this company nor have i gave them consent to do anything. 

I state below that i have proof to show my statement im writing is true. I also have and FTC reoport to show that this company stole my identity and trying to collect a debt from me which is another violation.

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 2024-03-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep frustration and disappointment regarding the repeated unsuccessful attempts to remove fraudulent items from my account. This ongoing issue has caused me significant distress and financial hardship, and it is imperative that we address it promptly. 

I want to emphasize that I have diligently followed all the prescribed procedures outlined by your company for reporting and removing fraudulent items. However, despite my repeated efforts, the issue remains unresolved, and the fraudulent items continue to impact my account. 

I kindly request that you take immediate, decisive action to investigate and rectify this matter. I expect a prompt response outlining the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I strongly urge you to review and enhance your security measures to prevent similar incidents from occurring in the future. 

Failure to address my concerns satisfactorily and promptly may leave me with no choice but to escalate this matter further, including seeking legal remedies and notifying relevant authorities about the fraudulent activities associated with my account. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$1600.00} 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 2024-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
Apple manager from Goldman Sach Apple Card contacted me and informed me that they have downloaded all documents from the CFPB complaints pertaining to the stolen XXXX XXXX XXXX XXXX that had unauthorized Apple Card charges, the FTC identity theft report which included unauthorized charges to an Apple Card in my name totaling over {$3000.00} in fraudulent charges on that XXXX. I asked him if the phone call was being recorded and he stated yes. I stated that if the matter goes to court I will ask a XXXX to subpoena this phone call. Apple continues to deny that I have called to report fraud, denies that they have any documentation on fraudulent charges. However, the phone call I just had with the Apple representative from Goldman Sach confirmed that in fact they do have everything on the stolen XXXX, the fraudulent charges and the FTC identity theft report showing the amount of fraudulent charges. This has caused significant injurious damage to my ability to use my credit. I also informed the Apple Manager from Goldman Sach I needed monetary damages for damaging my credit and if not to provide me the register agent information that I can take the matter to civil claims court. I am still waiting on register agents information for the Apple Card to be provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-03-25 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a ninety day late payments on an account that I did not open and had no knowledge of. The consumer reporting agencies have need to report all Information with complete accuracy. This account was report fraudulent back in XX/XX/XXXX. I've attached a copy of my report to this complaint on XX/XX/XXXX and XX/XX/XXXX. I'm now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this Information can not be verified I demand these payments be updated immediately. This Information is only reporting on my Experian Report. Thank you for your understanding and prompt action.

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 2024-03-25 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: TX

Complaint narrative:
XXXX added a collection that is not mine, I formally disputed with them and asked for verification of this false debt being mine. They never sent anything back so this needs to be removed as it is not mine

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 2024-03-25 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: FL

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep frustration and disappointment regarding the repeated unsuccessful attempts to remove fraudulent items from my account. This ongoing issue has caused me significant distress and financial hardship, and it is imperative that we address it promptly. 

I want to emphasize that I have diligently followed all the prescribed procedures outlined by your company for reporting and removing fraudulent items. However, despite my repeated efforts, the issue remains unresolved, and the fraudulent items continue to impact my account. 

I kindly request that you take immediate, decisive action to investigate and rectify this matter. I expect a prompt response outlining the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I strongly urge you to review and enhance your security measures to prevent similar incidents from occurring in the future. 

Failure to address my concerns satisfactorily and promptly may leave me with no choice but to escalate this matter further, including seeking legal remedies and notifying relevant authorities about the fraudulent activities associated with my account. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$1600.00} 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 2024-03-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep frustration and disappointment regarding the repeated unsuccessful attempts to remove fraudulent items from my account. This ongoing issue has caused me significant distress and financial hardship, and it is imperative that we address it promptly. 

I want to emphasize that I have diligently followed all the prescribed procedures outlined by your company for reporting and removing fraudulent items. However, despite my repeated efforts, the issue remains unresolved, and the fraudulent items continue to impact my account. 

I kindly request that you take immediate, decisive action to investigate and rectify this matter. I expect a prompt response outlining the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I strongly urge you to review and enhance your security measures to prevent similar incidents from occurring in the future. 

Failure to address my concerns satisfactorily and promptly may leave me with no choice but to escalate this matter further, including seeking legal remedies and notifying relevant authorities about the fraudulent activities associated with my account. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
In year XXXX XXXX , Credit Acceptance gave me my monthly call for payment like clock work. I've made monthly payments of XXXX to credit acceptance for a total of 1 year and 6 months never late. I spoke with a customer rep name XXXX, I told her I would be late this month due to personal matters and I asked if there could be a week extension she said she couldn't make that happen. I explained to her I've never been late and due to me going threw a divorce I just didn't have all the funds cause I was paying for a divorce. The rep XXXX told me I'm sorry but we all have lives if you need a job we're always hiring and proceeded to give me the websites credit acceptance online careers info. I was polite and said thanks but this dose not change my situation she said well what can you put down I said I can't put full amount I can put XXXX down and I need an extension for remaining balance. Rep XXXX finally took and all the sudden could honor my extension. 
So for my used XXXX XXXX XXXX 4 door silver balance for vehicle was XXXX. After getting extension I requested a total pay off quote for my vehicle. Well I found I was being charge a 26 percent arp which brought my pay off request to more than what the blue book value was for a used vehicle. So I said I couldn't afford that and rep XXXX proceeding to tell me responsibility and how repression is started. I told her please can I do promised weekly payments and answer was no. So I tried to make next payment and failed due to late payment and fees and new payment. Credit acceptance made me fail due to crazy payments. Now I'm a XXXX XXXX with XXXX loans and now have a repression on My credit report and now turned away for another loan. This has caused so much issues I will never suggest credit acceptance to Noone. Due to all this inconvenience XXXX  XXXX is XXXX and I'm stuck paying XXXX for my vehicle be taken due to late payment arrangement. Thanks credit acceptance for not helping us low income 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 2024-03-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. I contacted the company via phone call and they agreed to update the account to reflect open/not late status. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. I kindly request a thorough investigation into this matter and the prompt removal of any inaccuracies from my credit report. 

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 2024-03-25 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: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Experian : 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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-03-25 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: GA

Complaint narrative:
I did not occur any late payment account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Identity theft on my ssn

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MI

Complaint narrative:
First off, they wanted me to a capture a photo of my State ID and mine was expired and i had a temporary ID which was a piece of paper with my old ID stapled to that paper till the new ID arrived. 

After many many failed attempts of me trying to upload my documents they required through their broke down incompetent procedures. They still refused me access. This is not the first time this has happened with the company known as Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: LEXISNEXIS
State: GA

Complaint narrative:
LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Georgia XXXX XX/XX/XXXX Last 4 of SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by US BANKRUPTCY COURT GA XXXX in the file you maintain under my Social Security number. 

Upon ordering a copy of my credit report, I see an entry from this court listing with Reference # XXXX filed on XX/XX/XXXX. 

The entry with Reference # XXXX filed on XX/XX/XXXX with this court appears to be inaccurate. 

Apparently, not on was the case never discharged.

Company response to consumer: Closed with explanation