vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MI

Complaint narrative:
GENESIS CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, WA XXXX ( XXXX ) XXXX XX/XX/XXXX. {$120.00} XX/XX/XXXX. {$120.00} XX/XX/XXXX. {$770.00} XX/XX/XXXX. {$2100.00} XX/XX/XXXX. {$60000.00} I am a victim of identity fraud. These are the transactions I have in collections for apartments in other states. I have never resided in another state than XXXX. GENSESIS CREDIT MANAGEMENT is the collection company trying to collect money from this. I have disputed this sooo many times. I have made police reports. And I have made an account on XXXX I have mailed copies to the agency and my credit companies. I have had all XXXX of my credit sites frozen for years and these still somehow get through and put on my collections. I am sick and tired of this!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: BANC OF CALIFORNIA, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I went to a XXXX western ATM to withdraw {$60.00} from my XXXX XXXX account. The ATM took the money from my XXXX XXXX account, but it didn't give me my {$60.00}. It gave me an error message instead. I went to the bank during business hours and they told me they wouldn't give me my money back. I called XXXX XXXX, but my address has changed, so they're going to make me jump through a bunch of hoops, but can't just give me my money back. I didn't receive it even though XXXX XXXX removed the money from my account, stealing from me when I can't afford to loose any money as I live hand to mouth, with limited funds to pay my bills and survive the month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-14 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: KS

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC
State: WI

Complaint narrative:
XXXX sold loan to Specialized Loan Service back in XX/XX/XXXX. Payments were set up to be transferred from our bank to them. Beginning XX/XX/XXXX, they took the automatic payments and then returned them to the bank without reason ( I have all confirmation numbers from the bank. ) I did not request this change and was not notified that a change had been made by Specialized loan servicing. There were funds in the account. I started sending paper checks but they were not applied. I can prove I made XXXX payments-but only XXXX look like they were reported to the credit bureau XXXX I forwarded proof to Specialized Loan Service-but they never corrected. They have sent " history '' but there are up to XXXX different entries on any XXXX payment and none of it makes any sense. Then it got legal. I sent letters to XXXX different branches of the same law firm-but nothing was fixed. Then they started returning my payments saying they were not enough. When the balance was transferred from XXXX to Specialized loan, the balance was {$78000.00} with excess in escrow of {$300000.00} according to XXXX 's closing statement dated XX/XX/XXXX. My first statement from Specialized Loan indicated that out of each monthly payment, {$360.00} would go to principal, {$400.00} would go to interest and {$39.00} would go to escrow. I have made payments in the amount of {$28000.00} and they claim I owe over {$36000.00} to bring the account current. I have sent letters ( with tracking numbers to prove receipt ). They also say we " borrowed '' $ XXXX but they have ignored my requests to see this additional paperwork. I can provide copies of all the documents, payments, correspondence. It simply makes no sense and now they are planning on selling my house to highest bidder on XX/XX/XXXX. I have tried over and over, even offering to send a large certified check to cover the payments THEY rejected. I am simply beside myself. Can you please stop the sale. The numbers simply don't add up. Please help me. Thank You.

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 2024-05-14 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: DE

Complaint narrative:
I am writing to follow up on my previous complaints regarding the unverified and unauthorized negative accounts listed on my credit report. Despite my repeated efforts to dispute these incorrect items, they continue to be reported, causing significant distress and inaccuracies in my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I contacted Chime on Monday XX/XX/XXXX regarding unauthorized activities on my debit card with the company. I had a total of {$210.00} in unauthorized transaction on my account. Within less than 24 hours I received email saying the " no error occurred '' and that Chime declined my dispute without ever doing any sort of investigations on the disputed charges. I provided additional detail and information of the disputed charges to the disputes agent while initiating the disputes including me being out of town during the time these transactions were taking place. I had unauthorized transactions on another card that was also stolen and was able to file a dispute with that institution which gave me my credits the very next day and the investigation is still ongoing. I also filed a police report for the unauthorized transactions and use of my debit cards, this information was also provided to the disputes agent. I do not feel like my money is safe at all with Chime and am very disappointed in even having to file this complaint as I thought this issue would be properly looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Credit Acceptance sold the fraudulant debt to a law firm that has been harassing me and the so called evidence is inaccurate and they have been trying to expedite the motion Order of entering default judgement and I have been talking with representatives of the the firm who have been telling me I had no choice but to pay them {$2000.00} and {$2500.00} in lawyer fees. Plus they have been sending tons of letters and paperwork trying to scare me in to thinking they will are trying to seed this case up without my ability to respond or request a proper due process. The information they have on file is so inaccurate and no proof of claim. I sent a letter requesting the original contract, because this false contract they have recorded in the motion shows no proof of signatures, the interest rate is criminal which shows they were trying to charge me {$19000.00} for a {$15000.00} car. They were sued by the XXXX XXXX XXXX XXXX  XXXX XXXX for this very criminal action, and her office sent me a copy of all the filings recorded with the CFPB. Plus they claimed I missed two payment that was over three years old and if that was the case they never notified me of the issue. I was told that I had to do autopay of which Credit Acceptance Co. debited all my payments each month for over four years from my checking account. The reason why I know they are fraudulant. The proof on my end is that I suffered a XXXX XXXX XXXX XXXX  and had to file a hardship that I law firm help me reduce the debt I was in and all the account that I was having issues with or needed to negotiate the firm did a thorough check on my report and accounts that I would not be able to maintain. They did not see I had an issue with Credit Acceptance and yet I call Credit Acceptance over three years after I did that they all of a sudden tell me I owed {$9000.00} in payments in the principle of the loan. I ask them for proof and they never sent the information I requested. I filed a complaint with the XXXX XXXX in NJ and they repossessed my car when the XXXX XXXX contacted them. They they were harassing me and made threats. It was funny how they were a loan company and collection agency all in one. These people have been such monsters and are using the court to protect their actions. They last representative spoke to at the Law firm told me I don't have any rights if you don't pay your bills. I told them not to contact me again and they have been sending letters and these massive envelops with threat papers showing they are trying to make look like I am being delincquent for a debt that is not accurate and doesn't show the right information that will show they are the bad actors and stole over {$16000.00} from me.

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 2024-05-14 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: MD

Complaint narrative:
Several inquiries conducted on my credit without authorization. I have tried to reach the companies but to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: Cascade CISS Holdings, LLC
State: MD

Complaint narrative:
Several inquiries conducted on my credit without authorization. I have tried to reach the companies but to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: IL

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2024-05-14 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: TX

Complaint narrative:
I am making a second report against Transunion and the rest of the credit bureaus because they are all doing the same thing. Transunion is admitting through their secured mail that there is a 3rd party that is submitting false information, but they are not disclosing whether it's their department or an actual 3rd party company. They are justifying what they are doing as policy. These people think the public is stupid. There was no inquiry made about me, and why deduct XXXX points over an inquiry? 

I know it's a Department connected to all XXXX Credit Bureaus and all they do is watch for late payments ill reporting while knowing that there are contractual agreements for being late per company. Here are the credit bureaus violating our rights again to make a buck. They lost federal standing, so why do they still have federal standing power? It's time to shut them down. We can't keep fighting them over things they know are wrong. They have an untouchable position and it takes so much energy to actually get changes made. It takes months and sometimes years to get changes made. They have targeted me since my XXXX. They have been lying on our credit reports for years. It's too many times I have called major companies who said they did not send a report. These credit bureaus need to pay the United States a fine and they need to give each person who has lost things because of their ill reporting and lying {$20000.00} plus the {$1000.00} per violation. I am asking for full forensic investigation on my file and for the credit bureaus to be shut down for their crimes. They will never run with integrity.

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 2024-05-14 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: IL

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

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 2024-05-14 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: CA

Complaint narrative:
I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. i also attached evidence 1. XXXX XXXX XXXX XXXXXX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 2. XXXXXXXX XXXX XXXX XXXXXX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 3. XXXX XXXX XXXX XXXXXX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b

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 2024-05-14 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: CA

Complaint narrative:
I just recently looked at my credit report XX/XX/2024. I saw some hard inquiries that did not have permissible purpose. i also attached evidence 1. XXXX XXXX XXXX  XX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 2. XXXXXXXX XXXX XXXX XXXXXX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 3. XXXX XXXX XXXX XXXX  This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: FL

Complaint narrative:
I am sending this to you today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. 

I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 
I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: DE

Complaint narrative:
I am writing to follow up on my previous complaints regarding the unverified and unauthorized negative accounts listed on my credit report. Despite my repeated efforts to dispute these incorrect items, they continue to be reported, causing significant distress and inaccuracies in my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2024-05-14 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: TX

Complaint narrative:
I have sent transunion request for information of this debt back on XXXX received a letter saying it was verfied, which was a generic response.I resent another letter in XXXX and did not receive anything back. Submitted a letter asking for the original purchase agreement on XX/XX/year> and asked for within XXXX business days as, they keep failing to respond and still nothing to date. They signed for this letter on XX/XX/year>

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 2024-05-14 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: PA

Complaint narrative:
Credit reporting agencies are reporting an inaccurate and illegal collection account to my credit reports which is in violation of the Fair Debt Collection Practices Act 15 USC 1692. XXXX XXXX XXXX account number XXXX is being reported inaccurately and illegally, as I have never agreed to conduct any business or entered into any contractual agreements with this company. Given that I have no established relationship with XXXX XXXX XXXX, I am not obligated or required to pay this debt. As such, the reporting of this account is inaccurate and unjust. XXXX XXXX XXXX has also failed to provide me with a strict proof of contract with my signature specifically naming ( XXXX XXXX XXXX ) as an entity entitled to collect a debt from me. The law does state that before a company collect any information about me, they have to first get my authorization to access my credit report for any purpose therefore XXXX XXXX XXXX did not follow proper protocols and is non-compliant with the FDCPA.

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