vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: NY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXXXXXX  I tried to get access to my credit score and Experian couldnt let me due to verification or no score and I have a score I just dont have an account with Experian

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 2025-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: EQUITY LOANS LLC
State: WY

Complaint narrative:
I scheduled a payment in the amount of $ XXXX on XX/XX/XXXX to be taken out of my account on XX/XX/XXXX. Im a little behind on my mortgage payment, but not 30 days past due. I ensure that I remain within the 30 day mark so that I dont get reported as delinquent to the credit bureaus. On XX/XX/XXXX I called EPM inquiring as to why they hadnt taken payment yet. EPM says that I cancelled the above mentioned payment. I didnt cancel it. I requested documentation from them showing the cancellation, but they couldnt or wouldnt provide it to me. I immediately scheduled another payment with EPM so that my account would be brought to current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX 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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-01-05 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: MI

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-01-05 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX Date XXXX Balance Owed : {$0.00} Charged off XXXX XXXX XXXX Date XXXX Balance Owed : {$2700.00} Charged off XXXX XXXX Date XXXX Balance Owed : {$3400.00} Charged off XXXX XXXX Date XXXX Balance Owed : {$10000.00} XXXX off XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date XXXX Balance Owed : {$4500.00} Collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On around XX/XX/year> I made a large purchase at XXXX and was told I could take out a promotional 'Big ' card and get XXXX percent interest for 12 Months. Not long after I made my first payment online since I had not received a statement. Then in XXXX I received a statement and it had interest charges assessed. I called Capital One to address the issue and they told me they would resolve it. A week or so later I received a letter stating they could not XXXX my request, with no detail as to why they were not honoring their promotion. It wasn't a requests but me asking to resolve an error on their end. I wouldn't have taken the card out at all if not for being told I would have a promotional XXXX interest period. Now their deception has led to me paying interest I otherwise would not have had to pay. I was managing expenses to complete a kitchen remodel and would have done things differently if I had known they were being deceitful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
I am disputing the collection account with CREDITACPT account number XXXX, dated XX/XX/year>, with a balance of {$8800.00} This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that CREDITACPT, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I submitted a request to have myself removed as an authorized user. I possess correspondence from the credit agency confirming the cancellation of this account and my removal from the account holder 's list. Although the credit bureau indicated that they were conducting an investigation, they also stated that the account would remain on my personal report profile. The bureau falsely claimed to have completed an investigation while the account remains. It is evident that they could not have initiated a legitimate investigation. Furthermore, they inaccurately reported other accounts on my credit report, asserting that these accounts were verified. This information is misleading, and Experian has not conducted a proper investigation. I requested verification of the investigation, which they have yet to provide. 

*It was reported that XXXX XXXX underwent an investigation and will remain unchanged, I presented the correspondence from XXXX *It was reported that XXXX  XXXX XXXX was investigated and will remain unchanged and shows petition for XXXX XXXX, I am not under bankruptcy. 
*It was reported that XXXX XXXX XXXX XXXX was investigated and will remain unchanged. It shows it's open, no reported balance etc... This is not my account and it was not properly investigated * It was reported that XXXX XXXX XXXX was investigated and under XXXX  XXXX bankruptcy, I do not have a bankruptcy *It was reported that XXXX  XXXX XXXX has been charged off and closed as this is incorrect and should not be reported and if it were charged off the company should provide me with a form 1099. This fraudulent account or the others mentioned does not appear on any other credit bureaus. 


I have requested verification of this information from all accounts with the credit bureau, as they are responsible for reporting and verifying the accuracy of the information. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), consumers have the right to dispute inaccurate information on their credit reports by notifying the credit reporting agency in writing, which safeguards the accuracy, fairness, and privacy of personal information. 

The credit bureau has knowingly disseminated false information and appears to be deliberately avoiding the correction of inaccuracies, potentially indicating fraudulent behavior.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting by Nissan Motor Acceptance Company Dear Sir/Madam, I am writing to file a formal complaint regarding an issue with Nissan Motor Acceptance Company ( NMAC ) that has negatively impacted my credit report. 
On XX/XX/XXXX, I traded in a XXXX Nissan XXXX and settled the associated loan account with NMAC. Despite this, NMAC has reported to the credit bureaus that I still owe a balance on this account. I have enclosed a copy of the cleared check ( {$31000.00} ), dated XX/XX/XXXX, which confirms that the account has been paid in full.

I have called three times and emailed a letter with attached documented proof to NMAC to no avail. 
This incorrect information has adversely affected my credit score and caused significant stress. I have contacted NMAC to rectify this error, but the issue remains unresolved.

I kindly request the CFPB 's assistance in investigating this matter and ensuring that NMAC updates my credit report to accurately reflect the paid status of the account.

Thank you for your attention to this matter. I look forward to your prompt response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I was a victim of identity theft which was reported to the FTC. The company has refused to manually remove these items from each credit bureau resulting in the damaging and misuse of my credit report. This is a violation of 15 U.S.C. 1681 et seq. Please delete them items manually and report them as fraud to all of credit bureaus and original creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My consumer report contain some inquiries that I do not authorize nor do I have anything to do with, reporting a wrong data on consumer report is a violation of fair credit reporting acts. Please kindly remove the following Inquiries because I do not have any association with them. 


XXXX XXXXXXXX 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 2025-01-05 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: OH

Complaint narrative:
Please report correct information to consumer bureaus. See attached

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 2025-01-05 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: Continental Finance Company, LLC
State: TN

Complaint narrative:
At the time my mom was watching my daughter and she was watching her at my husbands and my house. During this time she stole information from my husband and I including checks on our checking acct and private information. My mom had a similar name to mine and she opened several cards in my name. When she passed away I was hit with all kinds of mail things coming to me saying I owed money. It wasnt till recently that I bought a car and I saw all these creditors saying I owed on cards. After she passed my husband and I had to open all new checking account bc of the identity theft she did on both of our names. I am just needing this solved XXXX a lot of these are 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 explanation
Consumer complaint received 2025-01-05 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: TX

Complaint narrative:
I was a victim of the XXXX XXXX XXXX and my personal information was compromised due to this company lack of data security the accounts below need to be deleted from my credit profile immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Please be advised that I am disputing a collection that is reporting negative on my credit report. They are in violation according to the following codes. I am requesting this is removed from my report immediately. 
1 ) The collection agency has not provided valid information under 12 CFR 1006.34 ( b ) ( 5 ) but they placed a collection on my credit report.

2 ) I was not given a chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3 ) The collection agency is violating my consumer rights by using misleading, misrepresenting, and deceptive information on my credit report.

4 ) The collection agency has no authority to furnish information to a consumer reporting agency without providing all disclosures required by law and they are in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UPGRADE, INC.
State: NC

Complaint narrative:
I have received several threatening letters from a company called Upgrade. In their letters they use threatening language about damaging my credit. I do not have a loan with Upgrade, nor have I ever. I have called them on two occasions, over a month apart, to discuss the matter and they have said repeatedly my name and address are correct, however the date of birth and social security number do not match their records. They are claiming someone committed fraud using my name, but not my social or date of birth? Upgrade reps in the fraud department said the address was updated recently to my address, but I have never received any communication from this company until the loan was past due. I believe their repeated attempts to collect a debt I dont owe simply because my name and address ( they said they added to the account ) match some record is predatory and intended to scare me into paying them money I dont owe with the threats of collection and damaging my credit rating. Upgrade has told me they have removed my address from their accounting system, however when I called after the second letter, my address was still in their system and they wont provide any assurances I wont be held liable for a debt I dont have with them. I find this incredibly concerning that a bank can simply add someones address, and presumably their name, to an account and send out letters for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries in Dispute : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation