vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report regarding my XXXX XXXX account, account number XXXX. Additionally, I wish to bring to your attention the illegal reporting of late payments on this account, which has significantly impacted my credit score. 

XXXX Credit Limit and Balance : The report indicates an open balance of {$320.00} with a credit limit of {$300.00}, showing that I am using XXXX  % of my account 's limit. This information is incorrect. My current balance is $ [ Your Correct Balance ], and my credit limit is {$300.00}. 

XXXX. Payment History : The report shows that I have made XXXX  % of payments on time and lists missed payments. I have made all my payments on time except for [ specific number ] instances due to [ brief explanation, if applicable ]. Moreover, the reporting of these late payments is illeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which states that " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE. '' XXXX. Amount Past Due : The report indicates that my last payment was made on XX/XX/year>, and the amount past due is {$0.00}. However, this information does not align with my records, which show my last payment made on XX/XX/year>. 

XXXX. Dispute Resolution : The report mentions " Dispute resolved ; reported by grantor. '' I have not been informed of the resolution details, and I request a review and clarification of this statement. 

The inaccurate reporting of late payments has caused my credit score to drop between XXXX points. This is a significant and unjustified impact on my creditworthiness. 

Please find attached copies of my payment records, recent account statements, and any relevant correspondence to support my claims. I kindly request that these inaccuracies be investigated and corrected promptly, and that any references to late payments be removed in accordance with the law. 

Thank you for your attention to this matter. Please confirm receipt of this letter and provide updates on the status of my dispute.

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 2024-05-20 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: CA

Complaint narrative:
I recently received a copy of my credit report and discovered several items that I am disputing and requesting deletion. I have included these items in the list for your research. According to the provisions of the Fair Credit Reporting Act 61 l ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be re investigated or deleted from my credit record within XXXX  days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. 

XXXX  XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX. 

Pursuant to the law, 15 U.S.C. 1681 of the FCRA, credit bureaus must properly verify each and every credit entry that is displayed in my credit report. FRCA section 609 ( c ) ( 2 ) ( E ) : states, " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information XXXX outdated under section XXXX or can not be verified. '' Please notify me that the enclosed items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this 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 2024-05-20 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Santander Bank will not allow me to payoff loan online. It will ask me to provide external account and it will take up to XXXX hours to verify account but it never does. Does not allow me to even adjust my current monthly payment

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 2024-05-20 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: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX A 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$110.00}

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 non-monetary relief
Consumer complaint received 2024-05-20 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: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$110.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: TX

Complaint narrative:
I reviewed my consumer reports and noticed that there were many inaccurate accounts on my credit reports XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX  XXXX opened XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX credit inquiry XX/XX/XXXX Based on other information ' l just received from US Department of education my XXXX has been placed on good standing and has been removed on defaults upon all these my reports has not changed but my scores is getting worst of which l cant explained ls really frustrating Consumer reporting agency have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy i contacted XXXX couple of months ago and asked them to investigate and removed all these inaccuracies, hard inquiries from my credit report that they are illegally reporting and l requested specifically the alleged application bearing my signature they have not been able to provides those proof to me This si a violation of the fair credit reporting act and these disputed can not appear on my credit report if it can not be supported by any evidence or proof. it is really frustrating .This is not my first time reporting my issues but my scores keep on descending with same inaccurate informations .As l said the departments of education just adjusted my XXXX loan status and removed it from deault and put it in good standing but the reports on my accounts is different why why why with my scores plunging down l need an answer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I called all three credit bureaus between XXXX and XXXX to remove outdated information from my credit reports. However, the information has not yet been updated. I am writing to request updates and corrections to my personal information on file with your company. Please make the following changes to my profile : - Update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
- Correct my name to : XXXX XXXX. 
- My only valid Social Security XXXX is : XXXX. 
- My correct date of birth is : XX/XX/1980. 
- My sole employer is XXXX XXXX XXXX. 

Additionally, I request the removal of all telephone numbers and my employer from my credit report. Please remove all other addresses from my report, as they are not deliverable by the XXXX. Postal Service and are inaccurate according to FCRA regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I called all three credit bureaus between XXXX and XXXX to remove outdated information from my credit reports. However, the information has not yet been updated. I am writing to request updates and corrections to my personal information on file with your company. Please make the following changes to my profile : - Update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
- Correct my name to : XXXX XXXX. 
- My only valid Social Security XXXX is : XXXX. 
- My correct date of birth is : XX/XX/year>. 
- My sole employer is XXXX XXXX XXXX. 

Additionally, I request the removal of all telephone numbers and my employer from my credit report. Please remove all other addresses from my report, as they are not deliverable by the XXXX. Postal Service and are inaccurate according to FCRA regulations.

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 2024-05-20 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: MS

Complaint narrative:
I recently reviewed a copy of my credit report and found incorrect reporting of accounts. 
account that was not mine. I've made multiple attempts ( XXXX, XXXX, XXXX ) to reach the creditors in addition to the credit reporting agencies and have not have any successful attempts. 

Please update the payment information to reflect correctly on the following account : XXXX XXXX XXXX Account XXXX Bridgecrest Account XXXX accounts are reporting as XXXX days late for XXXX XXXX 2024 and is incorrect. The payment was made on time, as the account is set up for auto pay. Please update account to reflect as on time. There was an extension granted for the Bridgecrest account for the months of XXXX and XXXX, therefore neither of the accounts were late. 

Please delete the following unauthorized inquiries : XXXX XXXX OF ( 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 XXXXXXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: GA

Complaint narrative:
I called all XXXX  credit bureaus between XXXX and XXXX to remove outdated information from my credit reports. However, the information has not yet been updated. I am writing to request updates and corrections to my personal information on file with your company. Please make the following changes to my profile : - Update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
- Correct my name to : XXXX XXXX. 
- My only valid Social Security XXXX is : XXXX. 
- My correct date of birth is : XX/XX/1980. 
- My sole employer is XXXX XXXX XXXX. 

Additionally, I request the removal of all telephone numbers and my employer from my credit report. Please remove all other addresses from my report, as they are not deliverable by the XXXX. Postal Service and are inaccurate according to FCRA regulations.

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 2024-05-20 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:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting XXXX XXXX XXXX to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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:
Hi, I am authorizing this complaint on my behalf, I cant believe you guys are taking advantage of me. I am very upset. the credit bureaus have not responded back to me about my investigation. I sent a letter, its more than XXXX  days. I need these accounts deleted or updated. These are the items I demanding to be deleted 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 non-monetary relief
Consumer complaint received 2024-05-20 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: FL

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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

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 2024-05-20 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: GA

Complaint narrative:
This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXXXX/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 2024-05-20 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: GA

Complaint narrative:
This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Received a loan through Credit Acceptance for a used car. They make you purchase gap insurance which adds to cost and payoff but can kind of understand but they also make you pay for a XXXX year service agreement with a fraudulent Warranty company they always use that never helps the consumer in anyway. You never get your car fixed because they make consumer have to pay the car repair company to tear your motor apart before they fix and or like my case they won't last for a timing chain that going bad and want it to break completely but if it destroys motor they won't cover. They continue to make the consumer have to pay to tear motor apart and then deny claims. There's a long list of complaints with Credit Acceptance and there is of this company for worthless Warranties that never cover anything but charge consumer on there loans that makes there payoff more than car worth. They take advantage of poor people who struggle with credit almost like payday loan companies 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