vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to dispute an inaccurate inquiries listed on my credit report. I have carefully reviewed my credit report, and I believe that the following inquiry is erroneous and should be remove. The inquiries in question were not authorized by me, and I have no affiliation or knowledge of the entity that made the inquiry. I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX guidelines.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi, I had a freeze on my credit Reports. 

On Monday XX/XX/XXXX, I was able to remove the freeze on the XXXX and XXXX reports. 

I have Not been able to remove the freeze on the Transunion account. 

I have called, emailed and spoke to representatives. 

I have still been unable to remove the freeze on the Transunion accounts of XX/XX/XXXX. 

Help please. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL 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 2023-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
I contacted Exeter Finance to make a payment last year from a family members phone. They asked me for consent to auto dial I told them no. They asked for a phone number I told them I did not have a phone number at the time and was using a family members phone. This phone number does not belong to me. The agent proceeded to take the phone number from their caller ID and add it to my account despite me advising the phone does NOT belong to me. Fast forward to this year, they called my family member on XX/XX/2023. On this date, I again told them this phone does not belong to me and requested a cease and desist. The agent entered the request and transferred my call to another department. I asked the agent who answered my call if the notes indicate a cease and desist request on this phone number. She assured me that it does reflect that. I again explained that this particular phone number is not mine and to not call my family members on a phone number that I never gave them regarding my debt again. She assured me that request was submitted. On XX/XX/2023 at XXXX XXXX they called my family member regarding my debt again despite me never providing their phone number nor giving them permission to use it, and then requesting a cease and desist on the phone number. The company has a valid email address to contact me which is the best method of communication and they use it. They have no reason to call someone else regarding my debt. They can discuss that with me directly. My family member did not sign anything regarding this loan. The phone number my family member has was not even in service when I signed the loan, therefore it was never used as a reference. They had absolutely no permission to put that number on file for any reason. This has caused me undue stress as my family has no business in my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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:
complaint # 1 : ( Account XXXX XXXX ) the credit bureaus are confirmed the XXXX  XXXX  account to be reporting as Accurate. I've provided proof that this account is still reporting inaccurately on my credit report. can you please help me resolve this issue by REMOVING this account from ALL of my credit reporting agencies! 

complaint # 2 : ( Account XXXX XXXX ) XXXX  XXXX  agreed to Remove the account listed if I paid the agreed amount of {$1500.00}. I am providing documents and bank statement to prove that I followed the agreed terms. XXXX  XXXX  did not hold up their end of this deal by deleting this account off my credit report I'm requesting that you please help me resolve this issue by removing this account from all my credit reporting agencies!

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 2023-05-31 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: MS

Complaint narrative:
I am not familiar with the inquiries mentioned, and I kindly request that you address this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kansas Counselors, Inc.
State: KS

Complaint narrative:
I wrote to KS Counselors requesting validation of an alleged debt under 15 USC 1692, after learning that theyre reporting such to the credit bureaus. I sent the request certified mail, return receipt requested ( see letters, receipts attached ). They received my initial request and failed to respond in a timely manner. I sent them notice stating that their failure to respond was a violation of federal law and they had a duty to cease reporting of alleged debt. Theyve received said notice and still continue reporting.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
After reviewing my credit report I have discovered erroneous information that are not associated with me. I did not authorize the reporting of this information on my credit profile, and it is significantly impacting my life. I kindly seek your assistance in resolving this matter promptly.

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 2023-05-31 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: EQUIFAX, INC.
State: NV

Complaint narrative:
After reviewing my credit report I have discovered erroneous information that are not associated with me. I did not authorize the reporting of this information on my credit profile, and it is significantly impacting my life. I kindly seek your assistance in resolving this matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: KY

Complaint narrative:
XXXX XXXX XXXX, XXXX and TransUnion are all acting in bad faith by not abiding by federal privacy and consumer protection laws. 

XXXX XXXX XXXX XXXX is fraudulently furnishing the information listed below. There have been unauthorized disclosures of my personal identifying information. XXXX XXXX XXXX XXXX is fraudulently furnishing the information listed below. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the XXXX XXXX. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I have provided an identity theft report listing the accounts that should be blocked and removed.

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 2023-05-31 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: Zions Debt Holdings
State: KY

Complaint narrative:
ZIONS DEBT HOLDINGS, XXXX and XXXX are all acting in bad faith by not abiding by federal privacy and consumer protection laws. 

ZION DEBT HOLDINGS XXXX is fraudulently furnishing the information listed below. There have been unauthorized disclosures of my personal identifying information. ZION DEBT HOLDINGS XXXX is fraudulently furnishing the information listed below. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the XXXX XXXX I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I have provided an identity theft report listing the accounts that should be blocked and removed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: MD

Complaint narrative:
After the pandemic, coming out of the 15 months forbearance plan, our original lender ( XXXX XXXX ) offered us a new loan modification plan with low interest rate. We've completed the TPP program and was going to move forward with the new mortgage rate / plan. However, the contract they sent us at the end had an error on it and we kept asking them to fix or explain. After months of going back and forth they finally admitted the mistake but rejected the modification application due to being behind on payments, which after the initial TPP was blocked by XXXX XXXX itself, while they were investigating the matter. 
At the end they suggested to re-apply and promised that the original offer would be honored. A few days later XXXX XXXX sold the mortgage to Selene, our new lender. 
Selene does not want to honor the terms originally offered by XXXX XXXX and to bring our account balance current and keep the original ( favorable ) mortgage rate, they want us to pay a one large payment of {$54000.00} or foreclose our home. We've been in this home since 2008 and have a XXXX XXXX XXXX daughter, so we can not afford to loose it. We've constantly asked them to give us a payment plan as we could pay some of the money back now, but have the flexibility to re-pay the balance. They reject all our offers and all this is happening because the previous lender made a mistake and did not follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it.

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 2023-05-31 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
My credit card was compromised on XX/XX/16 XXXX by XXXX. Citi gave me a new number and I continued to use this card. However, Citi has not credited all of these amounts. The statement that I received yesterday states that I owe {$3400.00} and I only purchased XXXX, leaving a balance not owed of {$3400.00} that I do NOT owe. I have continued to pay for my purchases since the original dates, but Citi either has not credited my account or gave the credit to someone else. After many calls and responses, Citi has not corrected my account. This includes 3 calls with my banker at 2 to 3 hours each. Two times this past year I was told that I didn't owe anything. I have read Citi 's response, but simple arithmetic says that all of my purchases have been paid and I still owe over XXXX XXXX dollars.

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 monetary relief
Consumer complaint received 2023-05-31 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: TX

Complaint narrative:
I want the bureau to please start an investigation regarding these accounts as they're reporting me as late even when I'm not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: Advantage Credit, Inc.
State: CA

Complaint narrative:
I am trying to get a home and I have filed identity theft because there has been an abundance of inquires on my report. I can't get anything let alone I refuse to have my credit ran with all these inquires on it. 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: CA

Complaint narrative:
Several things that are not mine are on my report, including a mortgage for something I've never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: FL

Complaint narrative:
After reviewing my credit report, I have discovered erroneous accounts and information that are not associated with me. I did not authorize the reporting of this information on my credit profile, and it is significantly impacting my life. I kindly seek your assistance in resolving this matter promptly.

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 2023-05-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have been doing everything in my power to improve my credit rating. It was going well until roughly XX/XX/XXXX. I noticed a XXXX point drop in my credit rating. I tracked it down to the Kohls credit card that I had opened. 
All my credit cards are signed up with automatic payments monthly. Kohls was the same. On XX/XX/XXXX, I spoke to a customer representative who forwarded me to a representative in the credit card division. I was told that when an account is on auto withdrawal, AND the balance goes to {$0.00} Kohls CC system automatically turns off the auto withdrawal. Naturally I was livid because I received NO NOTICE of this event. 
After this automatic shut off I made a purchase and naturally expected the system to do what it had been doing. Again, I received NO NOTICE of the shut off and fully expected the auto payment to work. It did not and payments were late thus the derogatory mark on my credit causing great damage to it. 
I was so livid and XXXX  that I had to get off the phone as the representative did nothing to resolve the issue. A couple of days later I called back to try and get more information. The representative told me that the auto withdrawal was removed by me on the website. That was a complete lie and I told him so. This went from bad to worse. Honestly, I had been working so hard to improve my credit rating that I had to put this issue aside. It was too XXXX. It wasnt until a year later that I could address this issue. 
This bad mark on my credit had nothing to do with me. XXXXhls Credit is the sole creator ( 100 % ) of this bad mark on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: NY

Complaint narrative:
I am a victim of identity theft. On XX/XX/XXXX, the suspect opened credit card account XXXX with XXXX and accrued {$3500.00} in charges. I believe the suspect stole my mail, specifically a XXXX tax form sent from my previous employer, from a mailbox located at address XXXX XXXX XXXX, XXXXXXXX XXXX  where I lived from XX/XX/XXXX through XX/XX/XXXX. I discovered this fraudulent account on XX/XX/XXXX as I was looking at my credit report and noticed this unfamiliar bank and delinquent account. As soon as I discovered the account, I called XXXX to report the fraudulent account. I spoke with a representative in the XXXX XXXX Department, XXXX, who advised that the account was opened using the XXXX Prospect Place, XXXX address. I had not been living at this address for XXXX years when this account was applied for and opened on XX/XX/XXXX. 

On XX/XX/XXXX, I reported this theft to the XXXX XXXX XXXX Precinct, XXXX XXXX, who advised that I needed a written statement from the bank with details and information used to open the account before he could file a police report. On MayXX/XX/XXXX, I sent XXXX a letter of request for business records related to this fraudulent account, along with the FTC Identity Theft Report, my government issued proof of identity, the Fair Credit Reporting Act Section 609 ( e ), and a link to ftc.gov resource titled Businesses Must Provide Victims and Law Enforcement with Transaction Records Related to Identity Theft. 

It has been XXXX  days since I sent XXXX the letter of request for business records related to this fraudulent account and the only correspondence I have received is an XXXX of Fraud form to fill out and send back to them in order for them to investigate. My consumer rights have been violated and I demand resolution to have this fraudulent account removed from my credit files. I have taken steps to dispute this fraudulent account by reporting the fraudulent account to XXXX, disputing the account with all XXXX  credit bureaus - XXXX, Equifax, and XXXX - filing a complaint with the XXXX, as well as the XXXX  Police Department. Additionally, I have placed a freeze on my credit, set up fraud alerts, and added consumer statements with all three credit bureaus. 

This credit card account was opened fraudulently using my personal information without my consent or permission. I did not open or authorize this account. My credit report is showing incorrect information by claiming this credit card account under my identity. I demand that XXXX, Equifax, XXXX, and XXXX absolve me of all charges on the fraudulent account and all activities associated with it, and that all appropriate steps are taken to remove information about this account from my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: AZ

Complaint narrative:
I went to Titlemax to borrow {$1500.00} against the title of my car XX/XX/XXXX. I was given {$3100.00} and now I owe {$15000.00} in order to satisfy the loan at 100 % interest, from what I am gathering online this interest rate is exorbitant and well above the legal maximum allowed. 

I also had another title loan in XXXX of XXXX with the same company where my Vehicle was repossessed by them, they charged illegal exorbitant interest on that loan as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: FL

Complaint narrative:
After reviewing my credit report, I have discovered erroneous accounts and information that are not associated with me. I did not authorize the reporting of this information on my credit profile, and it is significantly impacting my life. I kindly seek your assistance in resolving this matter promptly.

Company response to consumer: Closed with explanation