vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 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: MA

Complaint narrative:
My student loans were transferred between loan servicers from XXXX to XXXX over a year ago. When this happened, Experian began reporting my student both from XXXX and XXXX, resulting in my balance showing as double. I owe over {$400000.00} and now its showing over {$800000.00} and will likely hurt my chances of buying a house in the near future. The other credit bureaus are accurately reporting my loans so this must be a problem with Experian. 

Ive disputed this with Experian 3 times over the past year, and each time Experian says the dispute has been resolved without fixing it. XXXX told me they stopped reporting my balance to Experian a year ago and theres nothing they can do. Please help. I dont know what else to do.

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 2024-04-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
This company is in violation. I have requested the account contract between me and this company and they have yet to provide me with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.

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 2024-04-24 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: TX

Complaint narrative:
There are some fraudulent inquiries on 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 2024-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
An unauthorized charge for XXXX debited from my account on XX/XX/XXXX with a descriptor of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have used my debit card XXXX time this year, on XX/XX/XXXX, to take {$200.00} cash from the debit machine on XXXX XXXX XXXX. I do not make purchases with this card, or any debit card.

I saw the charge the morning of XX/XX/XXXX, blocked access to my card using the app and called to report it. 

The rep could not give me any information about the charge. She told me it would take up to XXXX  days to process. I asked to speak to someone in the dispute department. She said there was no one and that no one would even open my case for XXXX  days. I asked to speak to a supervisor. She said someone would call me. I got no answers on how to re-gain access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to FCRA XXXX, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Tesla, Inc.
State: TX

Complaint narrative:
Introduction This complaint details violations of my credit card authorization and misleading information provided by Tesla regarding their " unlimited charging '' feature. 

Background In XX/XX/XXXX, I pre-ordered a Tesla vehicle with a package advertised as including " unlimited charging '' and " unlimited connectivity ''.

The pre-order included a credit card deposit. 

Issues Unauthorized Charge : On XX/XX/XXXX, I incurred a {$0.00} charge at a destination charger in XXXX XXXX, Colorado, despite the charger being marked " free. '' My credit card company cites Tesla 's prior authorization for the charge, which I believe is a violation because : * There were no signs indicating potential fees at the charger.

* The car 's displays lacked any notification before charging began.

* The Tesla app only notified me after I was connected ( on Wi-Fi ), making it impossible to avoid the charge.

* The broad authorization for " unlimited charging '' does not constitute consent for unexpected charges, especially from unidentified third parties.

Misleading Information - " Unlimited Charging '' : The " unlimited charging '' feature is misleading if it allows Tesla to authorize charges at stations not explicitly identified as paid. Tesla 's advertising and sales process should clearly disclose any limitations on charging access and potential third-party fees to avoid deceptive practices. Additionally, I paid a premium for this product from Tesla with the understanding that I was pre paying in full and upfront for charging.

Limited Control and Transparency in Charging : Similar to how gas stations display fuel prices per gallon, Tesla and third-party chargers should clearly communicate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: MD

Complaint narrative:
I have been recently informed that there is negative information reported by the bureaus. 

Transunion : XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. XXXX XXXX : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX : XXXX. Account Name : XXXX OF XXXX Account Number : XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account XXXX : XXXX XXXX Account XXXX : XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. XXXX XXXX : XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXX : XXXX. Account Name : XXXX XXXX  XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX  XXXX Account Number : XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. Account XXXX : XXXX XXXX Account XXXX : XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. XXXX XXXX : XXXX XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2024-04-24 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: IN

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of 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 2024-04-24 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect 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 explanation
Consumer complaint received 2024-04-24 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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-04-24 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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I received notification a few years that I had a bankruptcy on my credit report. I reached out the bankruptcy court in XXXX, WI to ask did they report to the Credit Bureau 's in which they replied NO. I have attempted to dispute this Bankruptcy but it remains on my credit report with this inaccurate information which has not been verified through the " Source which is the US Bankruptcy Court of Wisconsin '' because they DO NOT REPORT NOR VERIFY!

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 2024-04-24 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: ProCollect, Inc.
State: FL

Complaint narrative:
I received a Notification that this company is handling a previous debt .After further research an information from XXXXXXXX XXXX XXXX  i see that this company is not registered in the stated of Texas to collect debt.

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 2024-04-24 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: IN

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of 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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX Balance : {$22000.00}

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 2024-04-24 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: TN

Complaint narrative:
I received a letter in the mail from a collection agency XXXX XXXX XXXX XXXX that states that are representing on behalf of XXXX XXXX XXXX. I asked them to validate this account as I have never heard of this creditor and they sent me a bill stating that I owe them {$1000.00}. I looked this company up and they do not have a license to collect in the State of Tennessee. Please delete this collection agency from collection or reporting on my XXXX, XXXX, or Transunion credit report if it is reporting.

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 2024-04-24 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: TN

Complaint narrative:
I received a letter in the mail from a collection agency XXXX XXXX XXXX XXXX that states that are representing on behalf of Simple Fast Loans. I asked them to validate this account as I have never heard of this creditor and they sent me a bill stating that I owe them {$1000.00}. I looked this company up and they do not have a license to collect in the State of Tennessee. Please delete this collection agency from collection or reporting on my Experian, XXXX, or XXXX credit report if it is reporting.

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 2024-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My truck was repossessed end of last year. They refused to return the truck until I paid {$3800.00} supposedly fees incurred by them to repossess. My belongs were stolen by them and truck damaged. 

They refused to release the truck until every penny of that amount was paid. Not a single dime of that went to my loan. Just a mysterious fee I incurred to have all of my belongings stolen and damage to the truck I needed to fix. 

Fast forward a few months and theres a mysterious {$570.00} charge on my account. I ask what its for and Im told that its a fee for repossession. Despite not getting the truck until every penny was paid, now theres more fees? 
Westlake claimed they took the fees off but all they did was Change the name of the fees. What about my fees? Paying to get the flat tire they caused when their tow truck smashed into the front tires and flattened one and damaged the rim? What about the compensation for the stolen items from my truck? They have a long history of criminal behavior including the beginning of my loan the salesman was allowed to doctor the loan documents after I signed them. There was a mysterious {$1300.00} fee added to the loan. I was refunded after weeks of complaining but the fact remains in the 72 hour delay between paper documents and digital documents there was an alteration that was fraudulent in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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:
I recently did an investigation into my credit report and found several items on there to be inaccurate. 

15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. According to the aforementioned code, consumer reporting agencies are obligated to follow reasonable procedures to ensure the maximum possible accuracy of the information pertaining to individuals in their reports. It is evident that this obligation has not been fulfilled in my caes. Furthermore, under 15 U.S. Code 1681 ( 5 ) Treatment of inaccurate or unverifiable information, it states that if, after any reinvestigation, disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must prompty delete or modify that information based on the reinvestigation results. 

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

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 2024-04-24 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: TX

Complaint narrative:
I recently did an investigation into my credit report and found several items on there to be inaccurate. 

15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. According to the aforementioned code, consumer reporting agencies are obligated to follow reasonable procedures to ensure the maximum possible accuracy of the information pertaining to individuals in their reports. It is evident that this obligation has not been fulfilled in my caes. Furthermore, under 15 U.S. Code 1681 ( 5 ) Treatment of inaccurate or unverifiable information, it states that if, after any reinvestigation, disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must prompty delete or modify that information based on the reinvestigation results. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I had an interest free payment plan for an air conditioner unit, through Goodleap. I setup an autopayment through their payment portal for {$840.00} in XX/XX/2022. This recurring amount would fully cover the balance WITHIN the interest free period. I called the company on XXXX to verify that no additional charges or hidden fees would be applicable to trigger the collateralized interest penalty. I was assured that it would not. Today, XXXX, I received a bill in the mail from Goodleap for the collateralized interest penalty. After speaking with a representative from the company, I am told that on the last month XXXX I logged on to the portal and cancelled the the final payment of {$840.00}. Furthermore, I am told that 3 days later, XXXX, I authorized a payment for {$820.00}. I did neither of these transaction within their payment portal. This is a {$20.00} difference that has generated an interest bearing ( 11.49 % ) debt totaling {$1200.00}. This morning after receiving the bill, I reached out to the company and explained that I did not make the cancellation or the payment for {$20.00} less than the original amount I had setup. ( Why would I reduce the payment by {$20.00} to incur the collateralized interest payment of XXXX? ) There is, and was more than enough available funds in the account to cover the full payment. The customer service representative said that there was nothing they could do about it. This is an offshore call center and they refused to put me through to an American based call center for the company. I additionally researched the company and found that the is XXXX XXXX XXXX. I logged on to XXXX and sent him a message outlining, basically, what I have explained in this statement. I also explained to him I am a XXXX veteran and that I did not make the transactions. I respectfully asked that he help me rectify this situation. I need help with this. My intuition is that this is corporate fraud. a similar thing happened in XXXX with XXXX XXXX for an interest free loan to put windows in my house. I did not have the money for legal services and ultimately paid them XXXX XXXX of dollars to close the account. I'm hoping your organization can help me rectify this situation.

Company response to consumer: Closed with explanation