vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: CREDIT ACCEPTANCE CORPORATION
State: NV

Complaint narrative:
XX/XX/XXXX I gave XXXX XXXX XXXXXXXX for a XXXXXXXX XXXX XXXXXXXX. They advise me I can pay {$580.00} a month for my vehicle. with interest it was {$620.00}. I didnt have a job due to covid and they said they would work with me as long as I had a down payment and showing i had unemployment. 
My vehicle was reposed 4 times because i couldnt afford the payments.

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 2024-03-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I received a {$200.00} American Express eGift Card on XX/XX/2023 from my job. Unfortunately, I am unable to spend it. I have tried using the card online with multiple retailers and also linked it to my XXXX XXXX ( as per AMEX ) to use in stores. It is always declined, regardless of the transaction amount. Multiple websites state unable to obtain authorization. 

Two retailers put small holds on the card, which did fall off after a few days. The card is active, but Im unable to access any funds. 

I have followed the directions provided my Amex, always selecting credit and spending below the gift card balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion, XXXX, and XXXX continue to report incorrect information on my consumer report which includes several inquiries that I did not authorize and the credit bureaus should not have released my report to these companies and doing so without my permission is a violation of my rights. 

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 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 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 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 explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I got a copy of my consumer report and noticed theres a late payment on my account that Im unaware of. I have asked the company to remove the late payment because its inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: FL

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account Name : XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX Reason : Unverified account However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any in formation relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-31 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: FL

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX Reason : Unverified account However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any in formation relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Debt Recovery Solutions, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau Dear Sir/Madam, I am writing to file a formal complaint against Regional Finance regarding the mishandling of my loan account during the period of my disability. My name is XXXX XXXX, and my account number with XXXX XXXX is unknown. XXXX XXXX Account # XXXX for XXXX dollars. 

In XXXX, I encountered a severe health setback which led to the XXXX XXXX XXXX XXXX, rendering me XXXX XXXXXXXX and consequently unable to work. As a result, I found myself in a situation where I could no longer afford to meet the monthly payments on my loan with XXXX XXXX. 

Upon reviewing the terms of my loan agreement, I recalled a clause about hardship defaults, which, if applicable, would relieve me from the financial obligation of repaying the loan under such circumstances. However, despite contacting XXXX XXXX and expressing my situation, I was neither provided with the necessary paperwork nor granted the relief promised under the hardship default clause. 

Instead, my account was sent to collections, leading to further financial strain and emotional distress. Despite my attempts to dispute the validity of the debt, it continues to appear on my credit report, inaccurately stating the date of account opening as XX/XX/XXXX. This account has been to multiple collection agencies. This misinformation not only affects my creditworthiness but also exacerbates the injustice I have faced due to XXXX XXXX 's negligence and disregard for my rights as a consumer. 

I firmly believe that XXXX XXXX has violated the terms of our agreement and failed to uphold its duty of care towards customers facing unforeseen hardships. Therefore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify the situation. 

Enclosed with this letter, please find copies of relevant documents, including my loan agreement, correspondence with XXXX XXXX, and credit reports reflecting the inaccurate information. 

Thank you for your attention to this matter. I look forward to a prompt resolution and fair treatment from XXXX XXXX. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: EQUIFAX, INC.
State: KY

Complaint narrative:
XX/XX/24 I filed a complaint with equifax about improper use of my credit report .with account name ( XXXX  XXXX ) Company did not remove the account after all evidence was attached to complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: NY

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-03-31 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased a voucher for a future stay at the " XXXX XXXX '' in XXXX XXXX, CA through XXXX The total amount was {$490.00} and the site promised to fulfill the stay by XXXX. 

XXXX XXXX has deliberately scammed money from me as well as other purchasers without any intention of fulfillment.XXXX XXXX fabricated plans that resulted in a total XXXX of $ XXXX through XXXX. Last communication on this project was dated XX/XX/XXXX ; no updates on the project have been provided since. 

I tried contacting my credit card company, Capital One, and they refuse to issue a chargeback on this merchant, stating that I waited too long -- however the scam did not come to light that we were all being bilked out of our money until over a year later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Wrong addresses are reporting on my credit profile. 
My date of birth is listed as 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 2024-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I Looked at my credit report on XXXX XXXX, XXXX. I was informed that my credit report has unauthorized hard inquiries also some inquiries are over their removal date. I also have the evidence. ACCORDING TO 15 USC 1681B FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES OR KNOWNINGLY WITHOUT A PERMISSIBLE PURPOSE. 


1. ( XXXX XXXX XXXX, XXXX, XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 2. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 3. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 4. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 5. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 6. ( XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 7. ( XXXX  XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 8. ( XXXX  XXXX XXXX XXXX XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 9. ( XXXX  XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 10. ( XXXX XXXX XXXXXXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 11. ( XXXX  XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 12. ( XXXX XXXX XXXX XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 13. ( XXXX XXXX  XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B I WOULD LIKE THESE ACCOUNTS REMOVED.

ACCORDING TO 15 USC 1681B FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES OR KNOWNINGLY WITHOUT A PERMISSIBLE PURPOSE.

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 2024-03-31 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THE ACCOUNT # XXXX ( XXXX XXXX XXXX XXXX ), Creditor Address : XXXX XXXX XXXX, XXXX XXXX  XXXX, MD XXXX, Creditor Phone # : ( XXXX ) XXXX. HAS VIOLATED MY RIGHTS. 


15 U.S.C 1681 SECTION 602 A, STATES : I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A, STATES : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2024-03-31 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THE ACCOUNT # XXXX ( XXXX XXXX XXXX XXXX ), Creditor Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, MD XXXX, Creditor Phone # : ( XXXX ) XXXX. HAS VIOLATED MY RIGHTS. 


15 U.S.C 1681 SECTION 602 A, STATES : I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A, STATES : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: FL

Complaint narrative:
Per the FCRA, I requested proof that the information was verified. XXXX XXXX- XXXX I do not recognize this account. Please REMOVE from my report. Please send back an updated copy of my credit report to the address listed on file. Thank you for your time and attention.

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 2024-03-31 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: FL

Complaint narrative:
Wrong addresses are reporting on my credit profile.

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 2024-03-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I Looked at my credit report on XXXX XXXX, XXXX. I was informed that my credit report has unauthorized hard inquiries also some inquiries are over their removal date. I also have the evidence. ACCORDING TO 15 USC 1681B FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES OR KNOWNINGLY WITHOUT A PERMISSIBLE PURPOSE. 


1. ( XXXX XXXX XXXX, XXXX, XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 2. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 3. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 4. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 5. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 6. ( XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 7. ( XXXX  XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 8. ( XXXX  XXXX XXXX XXXX XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 9. ( XXXX  XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 10. ( XXXX XXXXXXXX XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 11. ( XXXX  XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 12. ( XXXX XXXX XXXX XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 13. ( XXXX XXXX  XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B I WOULD LIKE THESE ACCOUNTS REMOVED.

ACCORDING TO 15 USC 1681B FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES OR KNOWNINGLY WITHOUT A PERMISSIBLE PURPOSE.

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 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: CO

Complaint narrative:
To : Discover Card, XXXX Per my conversation with your customer service representive on XX/XX/XXXX at approximately XXXX XXXX  MST, I asked for a settlement amount of {$800.00} on three occasions to resolve our balance of {$3800.00}. I was turned down firmly by your representative on each request! I was informed I DID NOT have any other options at this time and had to wait until XXXX for any type of negotiations or requests to decrease the amount that is owed. 

In a good faith we contacted Discover to discuss our dilemma and discuss our current situation with your company. to no avail. I felt like a criminal after my phone call with your representative for asking for a reasonable solution. While she was not rude, the lack of options was totally discouraging. 

My dilemma is I am currently on a very limited monthly income and can not and I repeat can not afford any monthly payments at this time. I made a payment on XX/XX/XXXX for {$300.00} and another one on XX/XX/XXXX for {$3500.00}. The total paid was {$3800.00} as of XX/XX/XXXX. I was hoping for a reduction of what is currently owed for the remaining balance. My intention is to not go delinquent and then many months from now, have your company offer some kind of settlement. Why cant this be done now based on extreme financial hardship as well as being a XXXX  XXXX veteran? 

My current physical conditions have changed drastically in the last several months.My doctors have informed me that I am 100 percent unemployable and can not work. Also, being XXXX  limits my options for repayment because of a very low monthly income. 

I appeal your decision not to communicate with me until XX/XX/XXXX and your unwillingness to discuss any other options for repayment. 

I totally think your company is not willing to work with me and I felt cornered and threatened by the phone call today ( XX/XX/XXXX ). I felt the Discover Card Company representative was frank and stern and was not willing to work with me at all. The call instantly caused my XXXX to increase to a level of stress that is extremely difficult.

Company response to consumer: Closed with explanation