vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 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: NE

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent.

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 2023-10-18 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 am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-10-18 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: NE

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-10-18 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:
In accordance with the Fair Credit Reporting act. The List of accounts below 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2023-10-18 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: TX

Complaint narrative:
I sent a identify theft report back in XXXX and also a dispute letter about all the inquired on my report and nothing was done. This is effecting my credit and slowing my home owner process

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: CA

Complaint narrative:
I viewed my credit report and notified the credit agency OVER 30days ago that my credit report had fraudulent accounts.

I sent in the needed information in order for them to successfully block these fraudulent items from my credit report pursuant to 605B : I provided proof of my identity, list of the fraudulent information on my credit report, and a copy of a completed and submitted identity theft report with the Federal Trade Commission from identitytheft.gov YET AND STILL, these items remain on my report and these credit agencies called them " verified '' accounts with no evidence or proof of that ever mailed to me pursuant to 15 USC 1681 - " Disclosure of investigative consumer report. '' They are violating my consumer rights. Both through 605B and 1681B.

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 2023-10-18 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: SC

Complaint narrative:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX, SC XXXXXX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Inquiry : XXXXXX/XX/XXXXXX/XX/XXXX Balance : {$0.00}

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 2023-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
My repayment plan was approved, and my first payment is due today, XX/XX/23. When I attempt to add my bank account details to the Aidvantage online system, the system displays an error message stating that previous transactions were returned from this bank account, and it won't allow me to enter my bank account details. However, there have been no previous transactions at all between the loan servicer and my bank, and certainly none that were returned. The loan servicer is new to me, and we have no history at all. 
The error message prompts me to request that my bank send a letter to the Aidvantage fraud department to resolve the issue. This bank account is my only account and the only way I can make payments. The loan servicer will not allow me to enter my partner 's bank details, nor pay with another card. Therefore, interest is accruing, the payment is now late, and I have no recourse. I have contacted the loan service twice without response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: GA

Complaint narrative:
The actions that were taken was notifying Experian and XXXX with letters asking for information and procedure use to determine that the bankruptcies were accurate on my credit report. How can I possible have two bankruptcies in the same year ( XXXX XXXX and one in Florida. I am a Georgia resident, that should've been a red flag for you. I wrote Experian and XXXX numerous times concerning inaccurate on my credit report. I WILL receive a letter stating that it has been verified but how???? And never receive what I am asking such as the procedure, phone numbers, phone number and who they talk with, etc. Never received such information from Experian and XXXX. Second step, I have reached out to XXXX XXXX ( CEO ) of XXXX and the Ceo of Experian concerning my issues with each company and their process of handling my situation. I reached out to Experian and XXXX again and the same thing, it's been verified. Experian and XXXX informed me that the bankruptcy court filed the bankruptcy and after reaching out to the Bankruptcy Court. I was informed that they don't have time to report information of such to any agency. I have enclosed all my contacts with the Bankruptcy Court, the credit bureaus and the CEO of Experian and XXXX. As a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my wallet was stolen and cause all these issues in my life and Experian and XXXX has been a pain for individuals like myself, when identity theft and fraud take place in your life. I have alot of inaccurate information on my credit report from Experian and XXXX, and its like pull teeth with both of them company. I was writing congress concerning the issues that has took place with these companies ( Experian and XXXX ). I hope you can help 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 2023-10-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2023-10-18 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: PA

Complaint narrative:
I asked trans union and XXXX to delete the fraudulent inquires on my credit report but it has not been done. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$610.00}

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
My lease Payoff is {$30000.00}. I attempted to sell the vehicle and Ally XXXX is charging {$41000.00} for a buyout of the loan. This is nearly fraud, adding over {$100000.00} to purchase the vehicle. Vehicle residual value is {$27000.00} plus {$2100.00} for remainder of payments. Ally is borderline fraudulent and I will never do business with this institution again.

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 2023-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: TRUIST FINANCIAL CORPORATION
State: KS

Complaint narrative:
None of the options above were applicable. I paid my Truist loan in full on XX/XX/XXXX. Truist mailed me a check on XX/XX/XXXX ( 10 days later ). It is now XX/XX/XXXX and I have not received. I have been told ( XX/XX/XXXX ) I need to wait another 30 days to get another check reissued. I have received a statement showing the loan is paid in full and that the check was in fact issued. I find it unacceptable that I have to wait a full 2 months to receive my escrow refund. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount- {$2200.00}.

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Any CRA can only furnish a consumer report as provided in 15 U.S. Code 1681b ( 1 ), ( 2 ). Transunion does not have my consent to furnish these items nor provide me with a document that proves that a court has ordered the furnishing of these items on my consumer report. Unless Transunion can provide proof, a bank can not extend its own credit lawfully and therefore can not furnish a consumer report. 

I am requesting that all these items be removed from my report immediately. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 2023-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: TX

Complaint narrative:
Debt is not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
We got approved for 0 % for 15 months and we started to use the card from Capital One. None of our statement mentioned when it is going to expire ( 0 % ). And suddenly we got hit by 24 % interest. We did not receive any email, mail or in the credit card statement. 

I checked my XXXX XXXX  credit card statement and it mentioned the expiration date of 0 %. 

Please be aware of this kind game financial institution plays.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I am disputing this Santander account. 
due to so much inaccurate information. 
Reporting date " last active '' with XXXX XX/XX/2018 but tho other two bureaus are reporting XX/XX/2018 and XX/XX/2018 I am aware that Santander were in trouble with the CFPB for predatory lending I am a victim here and the exact same thing is happening to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: First Technology Federal Credit Union
State: TX

Complaint narrative:
I moved to XXXX  from XXXX XXXX XXXX  in XXXX and bought my condo in XX/XX/XXXX. I did not have furniture or furnishings. 
The bank send an email that " because I was such a good customer '' they were raising my credit limit to {$30000.00}. They did not mention that they also doubled the interest rate. 
I bought furniture and furnishings ( I was working making at least {$80000.00} per year and thought I could easily pay off this amount ). 
I was laid off in XX/XX/XXXX. I was not able to find another job. I made an inventory of what I owed and expenses ( I consulted a credit counselor ). 
I had XXXX credit cards besides this large one with about {$12000.00} altogether. The other XXXX credit cards had hardship programs where they lowered the interest rate and the payment. I have paid off all those credit cards. 
I phoned the bank but they would not offer me any help. I owed interest of about {$500.00} a month. I paid the minimum payment ( almost {$600.00} ) and used the card only in an emergency. 
I paid almost {$600.00} a month for XXXX years. I figure I paid as much as I had borrowed ( about {$37000.00} ). 
I had gotten many calls offering to negotiate my debt but I did not do that - it seemed sort of dishonest- But after I figured I had paid {$37000.00} without making a dent in the debt, I did contract with one of them. They told me to stop paying on the credit card and they would negotiate the debt. I paid them {$400.00} a month instead. 
They told me there would be a hit on my credit rating " for a couple of months. '' They forgot to tell me that they would not even negotiate until I had paid them at least XXXX of what I owed ( or about {$15000.00} ). That would take about 5 years. 
I also learned that the negotiated debt would stay on my credit report for seven years. The debt from not paying the card has already lowered my credit score by about 200 points. 
When I was working I worked for the same company as the XXXX XXXX XXXX. I had to take their required classes. One class was called " Predatory Lending. '' One of the scenarios looked sort of familiar. Basically it said they targeted old peopld ( I am XXXX now ) on fixed incomes and raised their credit limits a lot while also raising the interest rates, then refusing to let them out of the loan. I think what they did to me was predatory lending.

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 2023-10-18 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: CARCO Group, Inc.
State: TX

Complaint narrative:
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.Thank you for your time and help in this matter. 

inquiries that I am unaware of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also there is many inaccurate previous addresses that are very old the only XXXX that should be listed isXXXX XXXX XXXX XXXX XXXX XXXX XXXX please have it removed .thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: IL

Complaint narrative:
In accordance with The Fair Credit Reporting Act, the list of accounts below have violated my federally protected rights to privacy & confidentiality under 15 U.S.C. 1681. 
I requested that Transunion, XXXX, and XXXX to investigate the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$7400.00} ). 
All three consumer reporting agencies stated that everything was complete and accurate, but I have evidence from Identity IQ that almost every open date, date of last activity, balances and so much more are completely inaccurate. I have provided documentation from Identity IQ Credit Reporting- revealing all incorrect reports. According to 15 U.S.C. 1681i ( 5 ) The Bureau 's ' are supposed to modify or delete accounts that are not reported correctly.

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