vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-16 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: VA

Complaint narrative:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2023-01-16 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: VA

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-01-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-16 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: AZ

Complaint narrative:
Hello, I reported fraud on my Avant credit card in XXXX. I havent received a credit card in XXXX years from that company. The charges were made in XXXX/2022- XXXX/2022. A representative said in XXXX the charges will be drop. Avant informed me, I will be held accountable. I did nothing wrong, I informed Avant, I was a victim of identity theft last year, and this happened on XXXX other credit cards. Please help me get this resolved. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Ive disputed the XXXX XXXX XXXX account showing on my credit report with all three credit bureaus XXXX, Equifax, and XXXX XXXX and all three bureaus has claimed ACCOUNT VERIFIED. The XXXX XXXX XXXX account reporting on my account is showing an incorrect status of delinquency, incorrect balance, incorrect payment history etc. Ive tried to correct the issue with the credit bureaus but I dont believe I received a fair hearing according to the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
I applied to aidvantage in XXXX. My loan is currently with XXXX from XXXX federal student loans criminally sold to XXXX. 2 mnths after I applied for consolidation, they denied me for having an active judgement. I applied for XXXX  XXXX bankruptcy protection in XX/XX/XXXX. Of which ended in XXXX of XXXX, almost 4 mnths beforehand. Every attempt to resolve this problem has went unsolved. Ive waited 2 mnths for an application to reapply which hasnt been mailed to me. I just need help to reapply with a company that will consolidate my loan. This site will not allow it even after 6 months of waiting and having to deal with Aidvantage. They are part of the problem with predatory lending, yet somehow they are once again forced upon me. They will be the reason my loans go unresolved and deferred. Please send a link to apply for direct consolidation through another company. My first complaint wasnt read. I recieved a email that stated absolutely no help XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-16 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I applied for a automobile I did not agree with the extensive inquiries made by car lot. 
I was a victim of fraud and I did not agree with the inquiries made on my reports.

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 2023-01-16 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: FL

Complaint narrative:
When I applied for a automobile I did not agree with the extensive inquiries made by car lot. 
I was a victim of fraud and I did not agree with the inquiries made on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-16 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Innovate Managed Holdings, LLC
State: NV

Complaint narrative:
They have reported this to my credit and its been 7 years this shouldnt be on my account XXXX when this happen I should up on my account between XXXX XXXX XXXX  please send this company 10 years any things past 7 years isnt suppose to be on your credit it should. I havent open any new account with them why is this being reported I lost XXXX point due to this. XXXX this company needs to be out business

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-16 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The Fair Debt Collection Practices Act, or FDCPA, prohibits debt XXXX from making false and misleading representations when collecting a debt. After submitting XXXX dispute letters concerning false, and incorrect addresses being placed on my credit report EXPERIAN credit bureau has refused to remove/delete the incorrect address. 

The incorrect address that's being reported is XXXX XXXX XXXX, XXXX, FL XXXX. I have never lived at this location and have no knowledge of this address, but the agency refuses to delete the address in question. 

The reason for EXPERIAN not removing the address is that it's linked to accounts on my credit report that don't belong to me. I explained to them on several occasions that an incorrect address linked to a negative account doesn't make me the owner of that fabulous debt that's being reported. As a XXXX military veteran, my personal information has been stolen serval times while traveling overseas and during the course of serving and protecting this great country. 

I have mailed EXPERIAN several certified letters addressing this FDCPA violation and they refuse to govern themselves accordingly to the laws put in place to protect the consumers from reporting inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are still erroneous addresses on my credit report. 

15 U.S.C. 1681 4 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

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 2023-01-16 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: NC

Complaint narrative:
I do not recognize this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFTS ACCOUNTS ASAP!!! 

XXXX XXXX - {$4600.00} - Collection/Chargeoff - all XXXX DEPTEDXXXX XXXX - {$0.00} - LATE PAYMENT - XXXX, XXXX DP OF EDUC XXXX - LATE PAYMENT - EQ XXXX XXXX XXXX - {$0.00} - Collection/Chargeoff - EQ XXXX XXXX - {$2300.00} - Collection/Chargeoff - all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, 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.

Complaint narrative:
Recently viewed my updated XXXX credit report when I realised I have too many inquiries on my report that I do not recognised. 

XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX 2022 XXXX XXXX XX/XX/2022 XXXX XXXX. 
XXXX XX/XX/2022 SXXXX XXXX XXXX XXXX XX/XX/2022 I tried to enquire about it but I havent been getting any feedback.

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 2023-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
On XX/XX/2022, I went to buy a vehicle from XXXXXXXX XXXX XXXX XXXX XXXX. The dealership contacted PENFED to file an application for financing. The salesman had calculated the payment using the 6.24 % interest rate that PENFED uses ( at the time ) for clients with low credit risk. PENFED responded with a 7.99 % ( 175 basis points higher ) allegedly because my credit report showed certain flaws. The salesman pointed out that the payment wasnt proportionally much higher. 

A few days later, I received a letter from PENFED that showed a credit score of XXXX from XXXX which is considered excellent, ( the credit bureau company they used ). The payment offered at a higher rate does not seem to be much higher, but the interest accumulated over the life of the loan is ( {$5200.00} estimated by PENFED vs {$3900.00} ; a {$1200.00} difference ). 

I submitted a formal request to correct the interest to the proper rate and was declined because PENFED does not renegotiate loans as you can see in their response uploaded. Their representative said they take other things into consideration, but did not care to point them out. 

This seems to me like a scheme to hook up the client with a published interest rate that will not be honored unless you find out what is going behind the curtain. My XXXX credit score is excellent, I do not have major bills because my house is fully paid, my only two credit cards have XXXX balance and there is nothing else.

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