vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-10 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-09-10 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXXXXXX XX/XX/2023 : XXXX XXXX  XXXX XX/XX/2023 :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: CA

Complaint narrative:
I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never be late on payments for the account. XXXX account number XXXX please investigate and provide proof with statements showing that these payments were late. if proof can't be provided i demand these payments be update to on time as they should be as i was NEVER late. thanks

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 2024-09-10 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: CA

Complaint narrative:
I need your support in addressing the wrong account being listed on my credit report. This has negatively impacted my reputation, and I rely on your help to resolve this. The mismanagement of my credit report has caused significant harm, and these issues must be fixed so I can live without further disruptions to my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: CA

Complaint narrative:
I need your support in addressing the wrong account being listed on my credit report. This has negatively impacted my reputation, and I rely on your help to resolve this. The mismanagement of my credit report has caused significant harm, and these issues must be fixed so I can live without further disruptions to my family.

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 2024-09-10 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: MS

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery has called me more times than I can count. Initially, I had spoken to a representative and let them know that I was and am currently unemployed, so even if the debt they were attempting to collect was valid, I have no means of repaying at this time. I informed their representative that I have never entered into an account with them and requested that they not contact me further. However, the agency named continued to show on my caller ID. Sometimes multiple times in a day, sometimes multiple days in a row. The calls come early in the morning, late in the evening, on weekends. It's been near constant and has actually prevented me from being able to complete viable job applications on my mobile browser, interrupt XXXX  interviews, and disrupted timed tests and quizzes connected to upskilling trainings I was in the middle of taking. I have tried blocking the calls, however they seem to have an unlimited supply of spoofed phone numbers as I've blocked at least twenty separate phone numbers and they continue to call from more. This harassment is XXXX XXXX XXXXXXXX, and therefore impacting my XXXX  and further limiting my ability to look for gainful employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I am writing to formally dispute the reporting practices of Credit Acceptance Corporation concerning an auto loan I obtained from them. I believe that Credit Acceptance Corporation has violated my rights under 15 U.S.C. 6802 and 15 U.S.C. 6801 by failing to properly inform me of my right to opt out of having this loan information reported to my consumer report. 

Under 15 U.S.C. 6801, financial institutions have a continuing obligation to respect a consumer 's privacy, and 15 U.S.C. 6802 grants consumers the right to opt out of having their information reported to credit bureaus. Credit Acceptance Corporation did not conspicuously inform me of this right to opt out before reporting the loan information to my consumer report. The lack of such notification constitutes a breach of their obligation under these statutes. 

I request that the CFPB investigate this matter and compel Credit Acceptance Corporation to provide evidence of their compliance with these privacy requirements. Specifically, I am seeking confirmation that they notified me of my right to opt out and that they provided this information in a clear and conspicuous manner. 

Additionally, I am serving this letter as both a formal complaint against Credit Acceptance Corporation and as a pre-arbitration notice. Should my consumer rights not be respected and this account is not removed from my credit report after being notified of these violations, I will proceed with arbitration to address these issues and seek appropriate remedies for the infringement of my rights. 

Please review this matter and provide guidance on the steps taken to resolve this dispute. I would appreciate a written response detailing the actions the CFPB will take to address my concerns. 

Thank you for your prompt attention to this issue. 

Sincerely, 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 2024-09-10 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 account : 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 2024-09-10 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: PA

Complaint narrative:
Its disheartening and frustrating to discover unexplained inquiries on my credit report this morning. Despite my efforts to refresh and check for errors, the issue persists. I sincerely ask that my submitted documents be carefully reviewed to ensure this problem is resolved permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: PA

Complaint narrative:
I am deeply disappointed and frustrated to see unauthorized inquiries appear on my credit report without any clear reason. After my routine check, I found these discrepancies, and even after refreshing the browser, the issue remains unresolved. I urge that the documents I've provided be thoroughly reviewed to put this matter behind me once and for all.

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 2024-09-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: The Aligned Company DBA Extra
State: CA

Complaint narrative:
This account on my consumer report from this buisness called XXXX was a prepaid card that was linked to my traditional bank account at XXXXXXXX XXXX  I disconnected it from my account after being alerted by XXXX XXXX that numerous withdrawals were being made by this card out if my account. When I contacted XXXX through online chat because that was the only way to reach them, they explained that it was to build up my overall credit by having higher spending limit to pull from. Again this was a prepaid card so they wanted me to prepay a XXXX deposit to be able to access spending points to earn merchandise they would allow you to choose from when you used their card. I immediately informed them that I was unlinking them from my bank account and to close this card and refund the {$200.00} they had already taken out of my account. They said to do that I would need to speak to another department and I would have to call instant message them the next day between XXXX. Which I never did I just put a restriction on them accessing any more funds from my XXXXXXXX XXXX account. Now I see on my consumer report that they have reported a late payment which very much hurts my overall score and is a derogatory mark on my public consumer file and I believe they did this with the intention to tarnish my public consumer standing with other consumer agencies. If you look at the documentation provided by the identity iq upload you will see that the last date of activity is recorded as XX/XX/XXXX but the 30 day late payment is XX/XX/XXXX and keep in mind this was a prepaid card there were no payments to made or any payments that could be counted as late. This is a malicious tactic to sabotage my consumer report standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family please remove the fraudulent accounts from my credit report as soon as possible. Under the FCRA Section 1681e, it is the responsibility of credit reporting agencies to ensure the maximum possible accuracy of the information they report. As a consumer, I have the right to dispute any inaccurate information that may negatively impact my creditworthiness.

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 2024-09-10 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: DE

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: MS

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

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 2024-09-10 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: MS

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: MS

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

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 2024-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
I recently opened a Checking account with Chime on XXXX. I simply wanted to use their Checking account, so to my surprise, I received a CREDIT CARD in the mail today, XXXX. 

When I called Chime in panic, they said that by providing a Direct Deposit, I was automatically enrolled into their " Credit Builder '' credit card program. I NEVER consented to opening any credit card with Chime, secured or otherwise, and demanded that they not report their illegally opened card to any credit bureau. I am filing this complaint to : ( 1 ) make CFPB aware of Chime 's shady business practices regarding automatically opening CREDIT cards under their Checking account users ' names without their consent, and ( 2 ) Ensuring that these illegally opened credit cards are not reported to credit bureaus and negatively impacting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
In XX/XX/year>, I had purchased a car that was financed through the firm Credit Acceptance from a dealership. 
After receiving the car, making the monthly payments on time and driving it from a few months, it was unexpectedly wrecked by a weather event and most specially a hurricane that damaged the car on the XXXX of XX/XX/year> in the XXXX region. 
I then started a Total Loss procedure given the car could not be driven given the damage caused by the weather. 
My right to the total loss procedure is included within my financing contract with the firm Credit Acceptance. In such a case, the firm is responsible for the car and needs to cancel the outstanding amount. 
However, after starting the total loss procedure and cancelling the monthly payments given the nature of the contract and the state of the car, the firm disregarded the numerous emails and documents that I have sent them pertaining to that procedure and said that I have not send any documents within the 120 days period notice, cancelling then my right for the total loss. 
Now, my car is still badly damaged, non-functioning and despite the total procedure, the credit firm is negatively affecting my credit report by displaying late payments in my account and still showing an outstanding amount of {$21000.00} that I should not be paying in normal circumstances.

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