vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-10 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: MI

Complaint narrative:
Subject : Request for Written Instruction Pursuant to 15 USC 1681b ( 2 ) Dear TransUnion Consumer Assistance, I hope this letter finds you well. I am writing to address a matter concerning the furnishing of a consumer report without my explicit permission. Pursuant to the provisions outlined in 15 USC 1681b ( 2 ), I hereby request that you provide me with a written instruction, if any, that I have on file granting you consent to furnish a consumer report on my behalf. This request is made in accordance with my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

To my knowledge, I have never given TransUnion consent to furnish a consumer report about me in the first place. As such, I believe that your actions may be in violation of federal law. I kindly request that you promptly provide me with the aforementioned written instruction, if it exists, to substantiate your right to furnish a report on my behalf. 

Failure to provide the requested documentation will leave me no choice but to pursue legal action against TransUnion for noncompliance with federal law. I will not hesitate to file a complaint in federal court and seek appropriate remedies. Additionally, I will consult with legal counsel immediately to ensure that my rights are protected throughout this process. 

Furthermore, I demand that the entire consumer report pertaining to my personal information be expunged from your database if my consent can not be substantiated by a valid written instruction. This includes any and all associated data, as well as any information derived from the consumer report. I expect full compliance with this request within the timeframe specified by applicable laws and regulations. 

Should this matter remain unresolved, I will provide you with an affidavit of truth and an invoice for the inconveniences caused by your noncompliance with federal law. I trust that it will not come to this, as I believe TransUnion values its reputation as a responsible and law-abiding credit reporting agency. 

I appreciate your attention to this matter and expect a timely response within [ number of days, normally 30 days ] from the receipt of this letter. Please address all correspondences related to this matter to the address provided above or via email at XXXX. 

Thank you for your prompt assistance in rectifying this situation. I hope we can resolve this matter amicably. 

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 non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: WI

Complaint narrative:
I tried to collect the correct information for this debt, and it was unobtainable through them and would not provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I recently bought a car from a dealership and I had the car for about two weeks and it is already lose power, lose oil and things like that and it has been over my I 30 day grace. But my car has been in the shop before my 30 day, grace period Therefore it is not being in my possession .I also read my contract, and it says that I can return it before my 30 day grace. Period. And the bank, they finance it to me credit acceptance I will provide all the paperwork from when my car was took to the shop

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 2023-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
disputed collection account with XXXX credit report, they disputed it as verified i explained this account was not mine and opened up by someone else. 
I then received a copy of a letter from XXXX  stating that my information was indeed compromised this happen not only once this year but last year, I then forwarded this information to Transunion on XXXX received a letter to days later see attached as verifiable, trans union failed to investigate the information provide me documentation as how it was verified and failed to use the attached documentation from 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 2023-09-10 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: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for XXXX purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: VA

Complaint narrative:
There are XXXX loans at issue. Both were taken out in XXXX  XXXX while I was at XXXX XXXX. The loans were initially serviced by Great Lakes but were then transferred to Nelnet. 

After receiving the funds, but before any academic assignments were due, I was struck by a car while walking in a crosswalk. I suffered a concussion ( among other injuries, which arent relevant ) which prevented me from being able to complete assignments. I tried, but could not focus long enough without the concussion becoming a factor. Ultimately the school dropped me for no -participation and I was deemed ineligible for the loans I was received. 

In XX/XX/XXXX, Nelnet sent me a thirty day demand letter. I was unable to pay the loans in full, and on XX/XX/XXXX, Nelnet stated that my loans were in the process of being transferred to XXXX. 

XXXX has no record of the loans in their system. I spoke to an agent at the XXXX XXXX XXXX and they said they have not received anything from Nelnet regarding these loans. According to XXXX customer service, my loans are in good standing. But according to XXXX financial aid department, who have forwarded XXXX emails, Nelnet claims the loans are still in default. Based on the speed with which XXXX XXXX XXXX  responds to me with messages from Nelnet, Nelnet is prompt at replying. But they have not provided an explanation why the loans have not been transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: MO

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for XXXX 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 explanation
Consumer complaint received 2023-09-10 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for XXXX 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 explanation
Consumer complaint received 2023-09-10 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: MO

Complaint narrative:
Late payment reported between me and lender XXXX XXXX XXXX. Late payment date XX/XX/XXXX, and XX/XX/XXXX. I asked company to send correspondence company sent nothing just reported late 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 non-monetary relief
Consumer complaint received 2023-09-10 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Late payment reported between me and lender XXXX XXXX XXXX. Late payment date XX/XX/XXXX, and XX/XX/XXXX. I asked company to send correspondence company sent nothing just reported late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After XXXX weeks of hearing from everyone I called and called me, asking for me with my full name you need I'd we can't help you it's for your protection over and over, I'm in a mental hospital right now because of the incredibly overwhelmed and confusion of my bills not being paid, but mysteriously my account is open and like usual it's short, on XXXX XXXX my balance was XXXX I haven't used my debit because it was shut down now I'm in XXXX XXXX XXXX XXXX XXXX ca XXXX after all that absolutely nothing I can do without a I'd and it just popped open XXXX bucks short, and there is absolutely no way to lie out of this my statements says XXXX amount the day they shut it down, I did not use my card and now it's XXXX dollars short

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 2023-09-10 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: MO

Complaint narrative:
Thus will be the last complaint because you now can clearly see that experian is deliberately keeping my score low to try and push credit cards. In the documents provided you can clearly see they wiped out XXXX XXXX of on time never late payments to XXXX now they say XXXX is pending and need more 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 non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/2023, I attempted to purchase a camera from a seller using Paypal. I communicated with the seller through XXXX XXXX, where we discussed details for the trransaction. The seller agreed to ship the camera for a total cost of {$1200.00}. I sent the payment as a XXXX & XXXX payment on Paypal. Once completed, the seller asked me for a screenshot of my verification, since the payment was pending. Afterward, the seller agreed to ship the item on XXXX, XX/XX/2023. 

The night of Thursday, XX/XX/2023, at approximately XXXX XXXX  XXXX  I recieve a potentially suspicious email from Paypal saying that I had made a dispute against the vendor of the camera for a total refund of {$1.00}. I did not initiate this, and the vendor fraudulently impersonated my identity to accomplish this. I did not click on any links within the email and instead went to my desktop computer to verify within my Paypal account what was going on. There was in fact a dispute made on my behalf. I immediately try and call Paypal, but they do not have live support at this hour of the day, unlike many other financial institutions. There was nothing I could intuitively do through their automated voice menus. 

I had to wait until the morning of Saturday, XX/XX/2023, to call and navigate through voice menus to get to a human representative. I explained them my issue, and after being put on hold, they said that they can see the dispute was submitted via the automated phone service, and that they would have to escalate this internally, and gave me a new ticket number for my case. However, I received no confirmation of the ticket in email, my account still shows the fraudulent dispute, and I am unable to re-dispute because of XXXX system. My identity was stolen and a fraudulent charge was forced to stick onto my account because of XXXX policy, which do not allow for disputes to be reopened, which provides a vector of attack for scammers and fraudsters. 

Paypal fraud support states that their system makes it impossible to reopen it once closed and ended up drafting me a letter to send to the bank stating that it is indeed a scam and they do not have the ability to now initiate the true dispute on their end as it is a limitation with their dispute system. 

You cant really do much to prevent it since their call in system is less secure than online. You can have XXXX factor authentication, passkey, all set up; but all the scammer needs to do is call PayPal by phone to get around this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is selling my information and as a result I have unauthorized inquiries listed on my consumer report. This is a violation of Privacy and Identity. Per FCRA 15 USC 1681 ( C ) ( 3 ) Permissible Purpose- ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. EXPERIAN MUST DELETE LISTED INQUIRE OR PAY UP TO {$1000.00} PER VIOLATION. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general-Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Collection purpose. This inquiry is scheduled to continue on record until XX/XX/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 2023-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I am a XXXX XXXX vet currently on XXXX last few years so little late responding I called SPS and asked for help in getting my rate reduced because at that time rates were around 2 % and my mortgage payments were going up because of insurance rates higher and property taxes higher and it was stretching my budget and I was getting stressed out over this. The sps rep said sure no problem go online and file for modification we will be glad to help. I filed online with SPS in XX/XX/. My only income was social security and a little part time job one day a week and was paid in cash of {$150.00}. I received correspondence that the letter that was written for the {$150.00} in cash need to be reworded. I reworded and sent back in again was told needed to be reworded. On at least three more occassions SPS would send me a letter saying not worded correctly. I asked just leave off and I felt they were just stretching this out and basically wanted me to give up. Finally around XXXX or XXXX XXXX XXXX a SPS rep kept me on the phone for 45 minutes while she talked with underwriting and then told me verbatim how to write the letter for the {$150.00} week income, I sent in the letter and then in XXXX XXXX XXXX a SPS rep called me and verbatim told me SPS WOULD EITHER REDUCE THE RATE OR DO A PRINCIPAL BALANCE REDUCTION BUT STATED TGE WERE DOING VERY LITTLE PRINCIPAL REDUCTIONS AND MOST LIKELY WOULD BE A RATE REDUCTION TO HELP ME the REP then stated sps would call me in a couple of weeks to finalize. A couple of weeks later a rep called me a blatantly told me SPS would not so anything maybe I should seek a refinace somewhere and by this time rates were over 6 % I told her what the last rep said and she wouldnt answer me and ended conversation SPS OUTRIGHT LIED AND DECEIVED ME THE WHOLE TIME, I think they just play the game and hope the customer gives up. I am sure SPS has records of all conversations with the customer showing this as they always stated I was being recorded. I wrote three letter to he CEO of SPS explaining all this and even telling him I was being lied to and misled and then would receive a call from a rep stating they want to help but just lies. Look at all the complaints on line even consumer affairs which are horrible. When I first applied with SPS I received a confirmation letter which stated the name of a rep who would handle the whole process herself. I CALLED HER ONCE BUT SHE NEVER RETURNED PHONE CALL AND EACH TIME I SPOKE TO A SPS REP IT WOULD BE A DIFFERANT REP. 
So from the very first correspondence from SPS was a lie

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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 is reporting all of these as hard inquiries and they should not be reporting these on my credit report because these were not authorized by me. Here is the list of hard inquiries being report by Transunion : XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX CO XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX  XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX FTC REPORT # 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 2023-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Dear Sir/Madam, I am writing to formally request the immediate deletion of inaccurate and unjustly reported information on my credit report related to my account with XXXX XXXX XXXX The details of the account are as follows : Creditor Name : XXXX XXXX Account Type : Revolving ( ChargeAccount for Jewelry and Camera ) Date Opened : XX/XX/XXXX I have reviewed my credit report and found several inaccuracies and discrepancies regarding this account that require your immediate attention. These inaccuracies include : Incorrect Status : The account is inaccurately listed as " Transferred '' and " Collection or Charge Off. '' This is not an accurate representation of the account 's status. 

Payment Status : The reported payment status is incorrect. It shows " XXXX '' monthly payments, which is not reflective of my payment history. 

Date of Last Active : The reported date of last activity on the account is incorrect. It is listed as XX/XX/XXXX, which does not align with my actual account activity. 

I understand the importance of accurate credit reporting and am committed to maintaining a truthful credit history. However, these inaccuracies are adversely affecting my creditworthiness and financial opportunities. 

I request that you promptly investigate and verify the information reported by XXXX XXXX and take the necessary steps to correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, I request that ; THIS ACCOUNT BE PERMANENTLY DELETED FROM MY CONSUMER REPORTS. 



I appreciate your prompt attention to this matter and look forward to the swift resolution of this dispute.

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