vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 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:
Remove these inquiries, as I have no knowledge of them, and the company executed this without my approval.

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 2024-05-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
Collection was filed in XX/XX/XXXX for XXXXXXXX XXXX XXXX XXXX XXXX in the amount of {$1300.00}. The amount in question is incorrect, as it was originally adjusted by the property manager on XX/XX/XXXX. The adjusted amount was paid in full on XX/XX/XXXX in the amount of {$930.00} in the form of a personal check and was cashed by XXXXXXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX. On XX/XX/XXXX, I called XXXXXXXX XXXX XXXX to dispute the collection and followed up with documentation of proof of payment via email. I was told to contact TransWorld Systems to handle the dispute. I have contacted TransWorld Systems 3 times via phone and twice via email. I mailed in hard copies have the proof of payment documentation to TransWorld Systems and XXXX in XX/XX/XXXX. My most recent email correspondence with TransWorld Systems was inquiring about the status of my dispute and asking for an update on XX/XX/XXXX. I have received no response. I spoke with a representative from XXXX on XX/XX/XXXX regarding this dispute. The representative confirmed receipt of the proof of payment documentation. I have provided these documents below.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: NH

Complaint narrative:
I've been a customer with Exeter Finance for XXXX years I was making my payments on time up till about XXXX months ago when they ( Exeter ) started making it difficult to get into their app. I called them several times finally got thru and they told me " you have to have a computer to login ". I explained to them that I didn't have one just my cell, that was the 1st problem. Found a way to pay my carpayment. So couple of months go by with no issues then I get ready to go back into their app ( Exeter ) and BAM!!!! couldn't get in tried for that whole month then I went to XXXX to see if they could help ( where I bought car ) and they tell me that they no longer deal with them!!!! I was told that I could refinance or sell car I have bad credit now that I cant pay I gave the XXXX a complaint also.They have had a lot of consumers complain about them and I also have read a lot of articles about Exeter. So please can you help I'll send all screen shots too. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: IL

Complaint narrative:
I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance to the fair consumer credit act the list of accounts have violated my of privacy and confidentiality 15 usc 1681 XXXX Report number XXXX XXXX I have the reach out to XXXX XXXX and I have debt consolidation team working with them but they are reporting late payments on my credit report if my mind serves me correctly XXXX XXXX account number is XXXX the account number XXXX XXXX  account XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681s 2 a 1 15 usc 1681c a5

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 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: CA

Complaint narrative:
Inaccurate information on all 3 credit bureas violation FCRA everything should be 100 % accurate, open dates on accounts, last reporting date inaccurate, 15 USC 1681 Violation of my rights, 15 USC 1681 section 6048 violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Inaccurate information on all 3 credit bureas violation FCRA everything should be 100 % accurate, open dates on accounts, last reporting date inaccurate, 15 USC 1681 Violation of my rights, 15 USC 1681 section 6048 violation of my rights.

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 2024-05-22 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: FL

Complaint narrative:
Despite my efforts, these issues are still unresolved. Enclosed is the letter I sent to the credit bureaus. Your firm labeled my request for verification of erroneous items as " frivolous '' or " irrelevant. '' This is a serious matter to me. If you ignore my original certified mail request, I will escalate to the Federal Trade Commission. Provide evidence of the alleged item, such as a contract or document with my signature, or remove these items from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Despite my efforts, these issues are still unresolved. Enclosed is the letter I sent to the credit bureaus. Your firm labeled my request for verification of erroneous items as " frivolous '' or " irrelevant. '' This is a serious matter to me. If you ignore my original certified mail request, I will escalate to the Federal Trade Commission. Provide evidence of the alleged item, such as a contract or document with my signature, or remove these items from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The current balance at Synchrony Bank {$1200.00} was credited/refunded on XXXX. See attachments. Also, their website is NON-FUNCTIONAL.

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 2024-05-22 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: TX

Complaint narrative:
I have recently acquired my credit report. After carefully reviewing it's contents, I have found that my report contains adverse information. I am requesting that the inaccurate information listed in the enclosed attachment be deleted according to the Fair Credit Reporting Act, 1681c. A period of thirty ( 30 ) days shall be " reasonable time '' to investigate the accounts in question, unless you notify me immediately otherwise. Please provide me with written notification of the appropriate corrections and an updated credit report... Remove inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: TX

Complaint narrative:
I have recently acquired my credit report. After carefully reviewing it's contents, I have found that my report contains adverse information. I am requesting that the inaccurate information listed in the enclosed attachment be deleted according to the Fair Credit Reporting Act, 1681c. A period of thirty ( 30 ) days shall be " reasonable time '' to investigate the accounts in question, unless you notify me immediately otherwise. Please provide me with written notification of the appropriate corrections and an updated credit report... Remove inaccurate addresses : XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX, TX 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 2024-05-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please eliminate these inquiries. I have no information about them, and the company acted without my authorization.

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 2024-05-22 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:
I sent a dispute inaccuracy on XX/XX/XXXX to TransUnion on XXXX XXXX app, and never got a response

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 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have always paid this account on time, ensuring it never goes overdue. I'm not clear on why there are late payment remarks on my accounts. Under 15 USC 1666b, billing errors must be corrected.

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 2024-05-22 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: FL

Complaint narrative:
It seems that FCRA 605B obliges us to remove inaccurate accounts from my credit report. Could you check the documents? Some accounts have been reported with incorrect amounts and dates.

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 2024-05-22 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: FL

Complaint narrative:
Kindly delete these inquiries. I am unaware of them, and the company proceeded without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've always made sure to pay this account on time and never let it become overdue. I don't understand why there are reports of late payments on my account. According to 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I am a XXXX and I requested a pin for a cash advance. Once they received notification of that request I get an email that they lowered my limit from {$20000.00} to XXXX my balance was around XXXX on one card and they lowered the limit on both cards. I called them and they stated based on credit. credit was never pulled and in fact my scores increased to over XXXX. I don't have any delinquencies or blemishes on my credit. my scores are high because my balances are not maxed out. I'm very cognoscente of my credit because of what i do for a living. I particular use this card because it give me airline points for free tickets. I believe that the mere fact that I requested a cash advance alerted them to assume that there is financial difficulty, and they lowered my balances which has now affected my score. lowering my limit to my actual balance dropped my score XXXX points because it looks like I now have two cards maxed out. You can not offer the benefit to a customer cash advance and the minute they want to use that benefit you flag them. I want my limit increased back to where it was to increase my score. they can also close my account but increase my limit so my score is back where it was. i do not wish to use them or patronize them any longer. this is not the type of business tactics I want to be associated with. I have found that they have done this to several people and there's no recourse. it's not fair that they drew me in with the benefits and as soon as i tried to use them im penalized. they have no proof that my credit was a factor because my credit is excellent, well was since they lowered my limit and score has been affected

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 2024-05-22 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: FL

Complaint narrative:
Kindly delete these inquiries. I have no knowledge of them, and the company made them without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-22 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:
TransUnion, XXXX, and XXXX continue to allege they did a reasonable investigation to prove that the bankruptcy they are reporting is accurate. Since you did an investigation you should have evidence to prove your claim for validation. Neither consumer agency provided this information to me for me to examine to see if this information is indeed fact.

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 


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 2024-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: BROKER SOLUTIONS, INC.
State: TX

Complaint narrative:
On XXXXXX/XX/year> I submitted an inquiry for the XXXX XXXX XXXX XXXX program ( XXXX ). The following week they connected me with a preferred lender, New American Funding XXXX XXXX XXXX. XXXX ran a hard inquiry on my credit, and the loan officer XXXX called me with the good news that I was approved for a mortgage, and asked if I was ready to begin working with one of their preferred lenders. I asked about the grant, which was what brought me to XXXX in the first place. Instead, the reply was oh, you need a second loan for down payment assistance? No, Id like information about the availability of the grant. And Id also like to see the terms of the loan- the type of standardized form Im accustomed to seeing for any loan. I was told that wasnt normally made available to me, but would be sent to the realtor. When I pressed and told XXXX I wasnt comfortable moving forward with realtors seeing terms that I havent seen ( that affects me the most! ), he begrudgingly agreed to send me the details of the loan. What I received instead was a typed arbitrary summary of the terms. When I called back and asked for a loan summary, I was told XXXX didnt offer that. When I again stated I wasnt comfortable moving forward without seeing details in a standardized format, he hung up on our call. 

My call and message to XXXX XXXX XXXX on XX/XX/scrub>XXXX still have not been answered as of end of business day on XXXX. 

From my experience, it appears that this XXXX XXXX program lures in public servants ( teachers, but also veterans, nurses, etc ) with the promise of a grant, which conceals predatory lending practices. 

lender info : XXXX XXXX Loan Officer NMLS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation