vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX  XXXX / {$230.00} / XX/XX/2022 XXXX XXXX / {$5900.00} / XX/XX/2022 XXXX XXXX XXXX / {$5300.00} / XX/XX/2022

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 2022-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I went to a buy her pay her in XXXX. I had no money down and dealer wanted a deal. He put that I had a down payment of XXXX on a XXXX  XXXX XXXX. the payments was XXXX math. was making payments. all of a sudden car starts falling apart. rust and water damage let truck start falling apart start to complain he said I'm not in warranty. I gave them back there car and the auction the car for nothing now. now the want more money ... and it's damaging my credit report. please help remove 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 explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Putting the same credit debts that supposed to be erased and were off my credit back on my credit as flagged accounts. going in and changing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
MY ACCOUNT WITH BB & T HAS BEEN COMPROMISED BREACHED WHICH WAS NOT BROUGHT TO MY ATTENTION WITHIN KNOWLEDGE AND FULL UNDER STANDING OF THE XXXX WITHIN THE NAME AND OR COMPLANY POLICY- WITH SELLING ADN WELL AS RECCEIVING STOLEN PEROSN CUSTOMER INFOMATION WHICH COULD BE HARMFUL PHYSICALLY AS WELL AS FINANCIALLY TO MY PEROSN BODY AS WELL AS XXXX WITH ALLTHE GAMES BEHIND THIS CURRENT FRAUD THIS ORANIZATION BB & T TRUIST- SUN TRUST - FINANCIALLY ORGANIZATION NAME XXXX ACCOUTS FALLS UNDER - PLEASE INVESTIGTE ALL TRANSACTIONS- THERE YOU CAN CONFIRM WHAT FRAUD THE UNITED STATES BANK AND XXXXXXXX XXXX  HAVE GOING ON - HERE I LINKED MY ACCOUNT - HOWEVER I HAVE NOT HAD ACCESS TO SEND MONEY OR RECEIVE PAYMENT XXXX XXXX ONCE I REQUEST TO SEND MONEY I DID NOT HAVE THE ABILITY TO DO SO WITH ACTIVE MONLY IN MY ACCOUNT - THESE IS NO EXCEPTION AND OR EXCUSE- THEFERE I KNOW I FALL UNDER THE FEDERLA LAW VIOLATIONS FOR COMPENSATION THIS INSTITUTION BEING REPOSTED HAS AFFECTED ME XXXX AS WELL AS FINANCIALLY - EXTREME DURESS WITHIN MY 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 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, 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:
There's incorrect information on my credit report. Remove all old addresses and personal information. 

My legal name is XXXX XXXX XXXX. 

My date of birth is XX/XX/XXXX 

My residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

My employer is 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 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX  / {$5300.00} / XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
THIS IS NOT A INVESTIGATION/REINVESTIGATION REQUEST WITH XXXX XXXX  THIS IS NOT A SUPPRESSION REQUEST. THIS IS A NOTICE YOU ARE BREAKING FEDERAL LAW, AND YOU MUST FOLLOW THE FEDERAL LAWS SET BY CONGRESS. 

The letter mailed on XX/XX/2021, put you on notice for advertising false and misleading information. In accordance with Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), you have thirty ( 30 ) days to complete a thorough and accurate investigation and make the consumer aware of the final results of the investigation within five ( 5 ) days.

I was NEVER made aware an investigation was done, or the results of the investigation.

YOU ARE LEGALLY REQUIRED TO EITHER DELETE OR MODIFY THE INFORMATION IMMEDIATELY PURSUANT TO U.S. Code 1681i ( 5 ) ( I ).

THIS IS NOT A INVESTIGATION/REINVESTIGATION REQUEST WITH XXXX XXXX  THIS IS NOT A SUPPRESSION REQUEST. THIS IS A NOTICE YOU ARE BREAKING FEDERAL LAW, AND YOU MUST FOLLOW THE FEDERAL LAWS SET BY CONGRESS. YOU ARE IN DIRECT FEDERAL VIOLATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection ( collection name ). I find that strange since I don't recognize this account neither am I liable for it at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureau to have them send the proper verification of this alleged collection. I have also sent out debt validation letters to the CREDITOR to VALIDATE this alleged account. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ) I begged the creditors to Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges However, this unvalidated negative account is still impacting me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX/ {$0.00} / XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I submitted in writing on XX/XX/2022 via certified mail ( USPS tracking number XXXX ) a letter informing Oportun IncProgreso of an inquiry and their violation of the FCRA and Various US Codes that they are in violation of and demanded that the inquiry be removed as well as a settlement payment of {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 USC 1681n ] to which I received no response, which is also another violation. Please see attached letter that was mailed to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Had citi bank credit card. Received email offering {$300.00} bonus to open Citi Accelerate Online Savings Account. I did and did the requirements. Also at that time opened a checking account offering a bonus for the checking account also. 

I kept receiving emails offering the same bonus for opening a savings account. And also received a bonus offer in the mail for the checking account I had also opened. 

I called them XX/XX/2022 to find out why I was still receiving offers for a bonus to open a savings account and also a checking account bonus. I told the that I already opened a savings & checking account to get the bonus for both. 

I was hung up on 3 times that I called. The 4th time I called was told I did not sign up the right way so I don't qualify for any bonus. I told him that I clicked on the email to sign up. He still said I would not get the bonus. 
I opened a chat on XX/XX/2022 and was told the same thing. The guy said it was time for him to get off work so turned the chat over to another employee. This employee told me that I would get the bonus. I copied part of the chat with the second employee saying I would get the bonus. I told them I want an email verifying I would get the bonus. They will not do that. 
I checked XXXX and found they have a XXXX rating. I want to know if I leave the required money in the accounts for 60 days if I will or will not get the bonus and if not why? I was given so many outrageous excuses that I don't trust them. I also signed up to have both my monthly checks deposited in the checking account. 
I never had a problem with the credit card and had no idea they were dishonest.

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 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion confirmed verification of accurate with a disputed XXXX XXXX  account. I requested reinvestigation procedures within XXXX. I have not received the requested 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 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX/ {$0.00} / XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I previously submitted my identifying information to TRANSUNION to which they responded that the information was not sufficient to begin the investigation process.

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 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I disputed 3 accounts with Experian on XX/XX/2022. I have yet to receive confirmation of dispute or response in reference to my letter.

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 2022-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Hello Digit, LLC
State: TX

Complaint narrative:
I canceled my digit.co account in XXXX but they have continued withdrawing funds from my account. I contacted them to make sure I didn't have a second account, and they said the account holder 's information did not match the information on my drivers license and bank account statement. My wife does not have a digit account either. They then refused to work with me to prevent the continued theft of funds from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is a complete joke. And Im saddened that you the CFPB designed to help consumers continually allow them to disregard the laws according to the FCRA. More than three occasions Ive requested that they furnish proof that the accounts Ive been disputing in fact belong to me. They have tried several stall tactics including continuous asking for identification which I supply with each and every dispute. They have failed on more than three occasions to provide proof but instead send copy of my credit report restating the inaccurate information. I have supplied proof that my personal information has been compromised through their data breach and still the accounts remain. The only thing that has transpired is the removal of fraudulent inquiries but the accounts again remain without furnishing proof that these are in fact my accounts. I am tired of these credit reporting agencies getting away with reporting inaccuracies causing financial damage and my credit reputation to be misled by what is being reported. I AM DESPERATELY ASKING YOU ALL TO STOP ALLOWING THEM TO CONTINUE TO EVADE THE LAW AND TO ABIDE BY THE FCRA AND PROVIDE THE PROOF IVE ASKED OR SIMPLY REMOVE THESE ACCOUNTS PERMANENTLY FROM MY CREDIT PROFILE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help

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 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
On XX/XX/2022 a store credit card was filled out at the store CBXXXX that has a HIGH inquiry that I did not authorize consent..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: GA

Complaint narrative:
I filed a dispute in XXXX for my self installment loan account and was denied. The reason I filed a dispute with XXXX was because they had not updated my information since XX/XX/XXXX of 2022 and we were in the month of XXXX the end of XXXX to be exact. XXXX WAS NOT showing that I was paying my loan down and making my monthly payments. Attached are the information from my credit report showing they were not updating it in their system when in fact they had the correct information from the company how I know they had the information is because they would send me messages saying GREAT JOB PAYING your loan down, But would still not update my information on my credit report. XXXX just updated account in XXXX but they have not shown the payment for XXXX and they have not given me any points for me paying this loan down the whole purpose of this loan is to gain points its, a XXXX XXXXXXXX account Attached is proof of XXXX not updating my credit report or giving me the points for it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There's incorrect information on my credit report. Remove all old addresses and personal information. 

My legal name is XXXX XXXX XXXX. 

My date of birth is XX/XX/1989. 

My residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

My employer is XXXX XXXX XXXX

Company response to consumer: Closed with explanation