vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
TransUnion credit reporting comp is making me hard for me to establish any lines of credit due to my credit scores are decreasing like crazy every time I go up to a XXXX and above mark is dropped right back down to a XXXX or under which it makes it hard for me to establish any lies of credit or even seeking housing. I have hired Attorney company name is XXXX. XXXX and XXXX XXXX has been hired to remove these negative items that I've been advised and been informing them for years that does not be long to me has been proven. They are not they are not aby my account Shortly find out they've been reattached. All kinds of techniques has been used to decrease my credit scores not understanding my bank account is attached to the credit reporting system and they come up with a score. XXXX XXXX of XXXX My credit report is supposed to be up around XXXX and above with TransUnion but continue to drop. Is this a technique for the government because these account has been paid and it's showing I have paid rent and which is not being credited on my XXXX XXXX and all of these documentation is attached and I'm gon na attach them down all below recipt account paid off. I have noticed the same account company call milestone tomebile. Has ran my credit XXXX times within XXXX  months which also would affect my credit scores amongusly XXXX  XXXX firm instructed me they will place complaint with Washington DC.against Trains union these complaints has been going on too long.

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 2024-09-15 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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; These accounts have violated my rights.

15 U.S.C. 1681 section 602 ( a ) ( 4 ) states the consumer has the right to privacy.

15 U.S.C. 1681b section 604 ( a ) ( 2 ) states : a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information of Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information 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 non-monetary relief
Consumer complaint received 2024-09-15 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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; These accounts have violated my rights.

15 U.S.C. 1681 section 602 ( a ) ( 4 ) states the consumer has the right to privacy.

15 U.S.C. 1681b section 604 ( a ) ( 2 ) states : a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information of Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information 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 explanation
Consumer complaint received 2024-09-15 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; These accounts have violated my rights.

15 U.S.C. 1681 section 602 ( a ) ( 4 ) states the consumer has the right to privacy.

15 U.S.C. 1681b section 604 ( a ) ( 2 ) states : a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information of Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information 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 explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
Ive attempted to contact American Credit Acceptance , LLC regarding getting the title for XXXX XXXX XXXX which belong to my principle account. Vehicle was already charged and numerous of securities instruments was submitted to XXXX debt. I made a finally attempt and submitted an Affidavit of Fact indicating that alls bills are paid and XXXX XXXX  days to respond. Instead of receiving the title from XXXX XXXX XXXX XXXX, they had my property picked up from my place of worked on XX/XX/XXXX by a repossession company, which would've been the XXXX day for them to respond to the XXXX of XXXX. My personal belongings was also taken and I wasn't able to retrieve it for about XXXX weeks. The repo company also stole personal property that was inside of the vehicle that was never returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
15 U.S.C 1681 section 602 A. state have the rights to privacy. account : XXXX XXXX XXXX/ AMOUNT XXXX $ ACCOUNT XXXX 15 U.S.C 1681 section 604 a section 2 : it also states a consumer reporting agency can not funish an account without my written instruction. 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other then records of conviction of crimes which antedates the reports more then 7 years. 15 U.S.C 1681s-2 ( a ) ( 5 ) a person shall not furnish any information 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 2024-09-15 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: TX

Complaint narrative:
15 U.S.C 1681 section 602 A. state have the rights to privacy. account : XXXX XXXX XXXX/ AMOUNT XXXX $ ACCOUNT XXXX 15 U.S.C 1681 section 604 a section 2 : it also states a consumer reporting agency can not funish an account without my written instruction. 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other then records of conviction of crimes which antedates the reports more then 7 years. 15 U.S.C 1681s-2 ( a ) ( 5 ) a person shall not furnish any information 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 explanation
Consumer complaint received 2024-09-16 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: NY

Complaint narrative:
In XX/XX/XXXX, I obtained a home improvement loan from XXXX for {$35000.00}, which came with an 18-month promotional 0 % interest period ending on XX/XX/XXXX. Throughout the promotional period, I received monthly billing statements from XXXX, which consistently indicated that no payment was due until XX/XX/XXXX. This led me to believe that as long as I paid off the loan by XX/XX/XXXX, I would avoid any interest charges. 

On XX/XX/XXXX, I made a full payment of {$35000.00} based on the billing statements that indicated this was the first payment due date. Despite this, XXXX subsequently charged me {$6700.00} in back interest, claiming that the balance needed to be paid in full by XX/XX/XXXX, to avoid interest. However, this critical detail was not clearly communicated in the billing statements, nor was there any reminder or warning of the XX/XX/XXXX deadline. 

I contacted XXXX to dispute the back interest, explaining that their statements had been misleading and that I acted in good faith based on the information provided in the statements. Despite my dispute, XXXX refused to waive the interest charges and insisted that the charges were valid based on the original loan terms. Fearing damage to my credit score, I was forced to pay the {$6700.00} in back interest on XX/XX/XXXX, even though I strongly believe these charges were applied unfairly and due to misleading billing communications. 

I am seeking assistance from the CFPB to investigate XXXX  deceptive billing practices and to have the {$6700.00} returned to me, as I complied with the payment schedule provided to me by XXXX  billing statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: MS

Complaint narrative:
As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringemen
t as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement o
f 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer XXXX requesting a cancellation of these records. XXXX Consumer Financial Protection Bureau. XXXX XXXX XXXX XXXX. XXXX Better Business Bureau. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX Comptroller of the Currency. XXXX Federal Reserve XXXX. XXXX XXXX and XXXX. XXXX Federal Trade Commission. 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 2024-09-15 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: MS

Complaint narrative:
As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640.

Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. XXXX Consumer Financial Protection Bureau. XXXX XXXX XXXX XXXX. XXXX Better Business Bureau. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX Comptroller of the Currency. XXXX Federal Reserve XXXX. XXXX XXXX and XXXX. XXXX Federal Trade Commission. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FMA Alliance, Ltd.
State: TX

Complaint narrative:
**Cease and Desist Notice on XXXX XXXX XXXX*File Number : XXXX This document serves as a formal cease and desist notice regarding all media activities associated with the referenced file. 

Please be advised that all securities are held in trust and belong solely to XXXX XXXX, a sovereign individual. The company in question has acquired an unregistered security. The secured party is documented in a UCC-3 addendum, which solely identifies XXXX XXXX XXXX XXXX 

It is important to note that the vessel in question does not owe any debt, as it is recognized as a creditor in off-ledger records, which can be substantiated by a XXXX XXXX. 

Furthermore, the alleged company is engaging in identity theft to exploit this situation. XXXX XXXX XXXX has not entered into any contract with FMA Alliance and has not given consent to share personal information. 


We request immediate action to cease any further media activities related to this matter. PLEASE REFER TO THE SELLER OF THE UNREGISTERED SECURITY AND DUE YOUR DUE DILIGENCE BEFORE YOU BUY EXTINGUISHED LIABILITIES!!!!! XXXX any further continuous I will be seeking recoupment from your company thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: GA

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should*NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: GA

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should*NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
While my credit score was still XXXX I decided to go and get the cheapest truck in America the XXXX XXXX. I went to XXXX XXXX in XXXX XXXX, CA. They pulled my credit 6 six in one day. Then they personally financed me through XXXX XXXX XXXX at a higher cost of the vehicle I wanted I even gave a {$2000.00} down payment. I found out about the 6 hard hits when the denials came in the US MAIL. I then wrote to ALL of the creditors asking for the removal of the hard hits. As they were ALL done on the same day. The creditors that responded to me requested a letter from XXXX XXXX explaining their actions. I went to the dealership to get some sort of letter to send to these creditors. I just got a run around. And their Corporate Office sent me a 7 page letter showing that I signed. Well my credit was hit before I signed any purchase contract. By then the damage was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
While my credit score was still XXXX I decided to go and get the cheapest truck in America the XXXX XXXX. I went to XXXX XXXX in XXXX XXXX, CA. They pulled my credit 6 six in one day. Then they personally financed me through XXXX XXXX XXXX at a higher cost of the vehicle I wanted I even gave a {$2000.00} down payment. I found out about the 6 hard hits when the denials came in the US MAIL. I then wrote to ALL of the creditors asking for the removal of the hard hits. As they were ALL done on the same day. The creditors that responded to me requested a letter from XXXX XXXX explaining their actions. I went to the dealership to get some sort of letter to send to these creditors. I just got a run around. And their Corporate Office sent me a 7 page letter showing that I signed. Well my credit was hit before I signed any purchase contract. By then the damage was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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:
Recently I looked at copy 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 undestanding that you Will investigate these item for me tu ensure accuracy. 
Here is the item I am asking you to verify as accurate. 
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 2024-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to request an investigation of the following information that appears on my Credit Reports. I have NEVER opened or used the following account name : XXXX XXXX XXXX Account number : XXXX Account open : XX/XX/year>. I dont recognize the following accounts in question. Im a victim of identity theft and I dont know this account on my report. Im requesting the following information be deleted from my Credit reports immediately.

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