vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 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 see unauthorized Hard inquiry on my credit reports : XXXX XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXXXXXX dated XX/XX/XXXXXXXX XXXXXXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX dated 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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Carvana Group, LLC
State: NC

Complaint narrative:
I purchased a vehicle from Carvanva. On the third day of having the vehicle an message saying the Alternator and battery was dying. Carvana warrantys company XXXX XXXX  set up XXXXXXXX XXXXg to transport the vehicle to a service garage for 1 hour towing and lost the vehicle. The vehicle was not recovered. I requested to swap the vehicle out for another vehicle and I did not ever receive the second vehicle. I am showing {$47000.00} in loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
My car payment from XX/XX/XXXX XXXX  was reported as late. However, the payment was made out of our XXXX XXXX account. The check was canceled by XXXX XXXX, however, we never canceled the payment and there was money in the account. After this, we received a notice in the mail stating there was a data reach within cadence bank involving all of our personal information. Now, we have a late payment from Hyundai Capital America although the payment was made. Then, our car was repossessed although we made all payments. Now, were unable to get the car back unless we pay the full balance owed on the car

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 2023-10-23 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 see unauthorized Hard inquiry on my credit reports : XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am upset that this company has put and HARD INQUIRY on my credit report & denied my application.And that alone in DISCRIMINATION and them denying me my own credit.That I applied forThis left my report in a default type of way and it is redline activityPlease make them remove this now.This has mentally cause me distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: MI

Complaint narrative:
Unauthorized inquiries. I have several credit inquiries that I did not authorize or do myself I would like those on authorize inquiries, removed from my credit report. 
XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 These hard inquiries were not authorized by me and I would like to remove my credit report. Can you please remove them and send me an updated report within 30 days thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: MI

Complaint narrative:
Unauthorized inquiries. I have several credit inquiries that I did not authorize or do myself I would like those on authorize inquiries, removed from my credit report. 
XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 Michigan XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 These hard inquiries were not authorized by me and I would like to remove my credit report. Can you please remove them and send me an updated report within 30 days thank you.

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 2023-10-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I request a copy of the original contracts from XXXX XXXX XXXX and XXXX XXXX XXXX. My information was also leaked by one of the companies involved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 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: VA

Complaint narrative:
I have been disputing this collection account on Experian since XXXX. Once I dispute it within XXXX week they come back as accurate information. XXXX XXXX XXXX is trying to collect on a remaining balance that is not collectable. XXXX XXXX Credit Card sent my account to the original collection company ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX in which XXXX collected for them on this debt. They settled with me for a lesser amount. The original amount was {$700.00} I paid {$560.00} on XX/XX/2021 which left a remaining balance of {$140.00} which I didn't have to pay because they settled. I have sent letters from this agency stating that I have settled my balance and I do not owe anything more. This company Experian and XXXX will not remove this balance of {$140.00} they are trying to collect which is not collectable since the account was Settled in full from my report. I have been fighting them since XX/XX/2021. Please help me get this error off my report and stop them from putting it back on and stop them from trying to collect on something they do not have a right to collect on. I have never ever received anything from this XXXX XXXX XXXX company this whole time. I do not know who they are or how they got ahold of my written off balance. Please help me I am begging you.

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 2023-10-23 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: TX

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am a Capital One XXXX XXXX XXXX holder. Per their advertising pitch, they re-imburse XXXX  XXXX  Fees of {$100.00}. On XX/XX/23, I called Capital One to confirm that my XXXX XXXX application fee of {$100.00} will be refunded to me AS PART OF A CARD MEMBER BENEFIT. I was told by the representative a rebate of {$100.00} will be credited after a few business days. As of XX/XX/23, almost 4 months later, Capital One has not yet issued the rebate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: SC

Complaint narrative:
My name is XXXX XXXX XXXX. XXXX XXXX is my husband. On XX/XX/2023, XXXX purchased the loans and this was placed on my credit. On XX/XX/2023 via certified mail ; I request validation of the debt of all of different amounts reported on my credit. ( Same account number which was XXXX, but different amounts ). First, with the help of the XXXX XXXX XXXX ; I found out these accounts were sold to XXXX. XXXX first denied it, but they PURCHASED this account in the amount of {$27000.00}. This was an agreement between XXXX, US Dept of Education, and XXXX. Then on XX/XX/2023, XXXX from XXXX stated, " XXXX  XXXX XXXX Account # XXXX ; Education XXXX XXXX XXXX XXXX XXXX ) has reviewed your concerns. Following is history of the XXXX loans in question held by XXXX that match the first & last name, mailing address and email address provided by you on this complaint. '' XXXX stated that this account belongs to XXXX XXXX. I have never in my life been identified as XXXX XXXX. To this date XXXX, XXXX, or US Dept. of Education has yet to provide to me an original signed contract in addition, XXXX provided proof to myself and XXXX  that the XXXX accounts belong to XXXX XXXX. XXXX wishes for me to accept this as an simple typographical error. I REFUSE TO!! I have been reporting on multiple occasions that the loans are not mine has here is proof and XXXX. XX/XX/2023 the XXXX discount the amounts 107 %, the amounts as reported on my credit do not have a payment amount further proof that there is not accounts associated with me and these entities. This company provided alledged spreadsheets. All the proof that was given to me by XXXX, showing further proof that their records was and can be altered, .i.e. the account belonging to XXXX XXXX. These accounts were falsely generated.

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 2023-10-23 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: SC

Complaint narrative:
My name is XXXX XXXX XXXX. XXXX XXXX is my husband. On XX/XX/2023, XXXX purchased the loans and this was placed on my credit. On XX/XX/2023 via certified mail ; I request validation of the debt of all of different amounts reported on my credit. ( Same account number which was XXXX, but different amounts ). First, with the help of the XXXX XXXX XXXX ; I found out these accounts were sold to XXXX. XXXX first denied it, but they PURCHASED this account in the amount of {$27000.00}. This was an agreement between XXXX, US Dept of Education, and XXXX. Then on XX/XX/2023, XXXX from XXXX stated, " XXXX  XXXX XXXX Account # XXXX ; Education XXXX XXXX XXXX XXXX XXXX ) has reviewed your concerns. Following is history of the nine loans in question held by XXXX that match the first & last name, mailing address and email address provided by you on this complaint. '' XXXX stated that this account belongs to XXXX XXXX. I have never in my life been identified as XXXX XXXX. To this date XXXX, XXXX, or US Dept. of Education has yet to provide to me an original signed contract in addition, XXXX provided proof to myself and XXXX  that the nine accounts belong to XXXX XXXX. XXXX wishes for me to accept this as an simple typographical error. I REFUSE TO!! I have been reporting on multiple occasions that the loans are not mine has here is proof and XXXX. XX/XX/2023 the XXXX discount the amounts XXXX XXXX, the amounts as reported on my credit do not have a payment amount further proof that there is not accounts associated with me and these entities. This company provided alledged spreadsheets. All the proof that was given to me by XXXX, showing further proof that their records was and can be altered, .i.e. the account belonging to XXXX XXXX. These accounts were falsely generated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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:
My name is XXXX XXXX XXXX. XXXX XXXX is my husband. On XX/XX/2023, XXXX purchased the loans and this was placed on my credit. On XX/XX/2023 via certified mail ; I request validation of the debt of all of different amounts reported on my credit. ( Same account number which was XXXX, but different amounts ). First, with the help of the Better Business Bureau ; I found out these accounts were sold to XXXX. XXXX first denied it, but they PURCHASED this account in the amount of {$27000.00}. This was an agreement between XXXX, US Dept of Education, and XXXX. Then on XX/XX/2023, XXXX from XXXX stated, " XXXX  XXXX XXXX Account # XXXX ; Education XXXX XXXX XXXX XXXX XXXX ) has reviewed your concerns. Following is history of the XXXX loans in question held by XXXX that match the first & last name, mailing address and email address provided by you on this complaint. '' XXXX stated that this account belongs to XXXX XXXX. I have never in my life been identified as XXXX XXXX. To this date XXXX, XXXX, or US Dept. of Education has yet to provide to me an original signed contract in addition, XXXX provided proof to myself and XXXX  that the XXXX accounts belong to XXXX XXXX. XXXX wishes for me to accept this as an simple typographical error. I REFUSE TO!! I have been reporting on multiple occasions that the loans are not mine has here is proof and XXXX. XX/XX/2023 the XXXX discount the amounts 107 %, the amounts as reported on my credit do not have a payment amount further proof that there is not accounts associated with me and these entities. This company provided alledged spreadsheets. All the proof that was given to me by XXXX, showing further proof that their records was and can be altered, .i.e. the account belonging to XXXX XXXX. These accounts were falsely generated.

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 2023-10-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
PayPal violated consumer protections

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal dispute regarding the inaccurate and misleading information on my credit report. I have recently reviewed my credit report and have identified a significant error in the reporting of XXXX accounts held by XXXX XXXX each identified by the following account numbers : # XXXX, # XXXX, # XXXX, and # XXXX. It has come to my attention that these accounts are erroneously listed as " open '' when they are, in fact, collections accounts, which should not report as open. 

I respectfully request that you investigate this matter promptly and take the necessary steps to correct the reporting inaccuracies on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The incorrect reporting of these accounts as open severely affects my credit score and financial standing. 

I urge you to take the following actions : Initiate a thorough investigation into the reporting status of the aforementioned XXXX XXXX accounts. 
Immediately delete these misleading entries from my credit report. 
As per the FCRA, it is your responsibility to conduct an investigation within 30 days of receiving this dispute. I expect a swift resolution to this matter in compliance with federal law. The accurate reporting of my credit information is of paramount importance to my financial well-being, and I believe that addressing these discrepancies is vital in maintaining the integrity of my credit report. 

I kindly request that you provide me with written confirmation once this dispute has been resolved, and the necessary corrections and deletions have been made to my credit report. 

Thank you for your immediate attention to this issue. I trust that you will act promptly and decisively to rectify these inaccuracies and ensure the accuracy of 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 2023-10-23 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: MA

Complaint narrative:
I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
Kindly eliminate the accompanying records as they are false and were opened without my assent or information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: NY

Complaint narrative:
Re : Complaint Against Credit Bureaus for Unresolved Identity Theft Issues I am writing to formally report an unresolved issue with certain credit bureaus regarding fraudulent accounts on my credit report as a result of identity theft. Upon reviewing my credit reports, I identified two unauthorized accounts : XXXX Collection Account Account Number : XXXX Outstanding Amount : {$2300.00} XXXX XXXX Credit Card Account Account Number : XXXX Outstanding Amount : {$1100.00} In an attempt to rectify this, I initiated disputes with the credit bureaus through written communication on XXXX separate occasions. Regrettably, despite my earnest efforts to resolve this critical matter, I have not received any acknowledgment or response to my disputes. The presence of these fraudulent accounts has not only severely impacted my credit score but has also caused significant distress in my personal life. I had taken the necessary measures in good faith, expecting the credit bureaus to address and correct these inaccuracies. It is deeply concerning that these disputes have seemingly been overlooked or ignored. I implore the Consumer Financial Protection Bureau to intervene in this matter and facilitate a just and prompt resolution. Your esteemed bureau 's assistance in ensuring the removal of these unauthorized accounts from my credit report will be invaluable in restoring both my credit standing and peace of mind. Thank you for your prompt attention to this grave concern. I am hopeful for a favorable outcome with your guidance and intervention. Warm regards, 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 2023-10-23 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: NY

Complaint narrative:
Re : Complaint Against Credit Bureaus for Unresolved Identity Theft Issues I am writing to formally report an unresolved issue with certain credit bureaus regarding fraudulent accounts on my credit report as a result of identity theft. Upon reviewing my credit reports, I identified two unauthorized accounts : XXXX Collection Account Account Number : XXXX Outstanding Amount : {$2300.00} XXXX XXXX Credit Card Account Account Number : XXXX Outstanding Amount : {$1100.00} In an attempt to rectify this, I initiated disputes with the credit bureaus through written communication on two separate occasions. Regrettably, despite my earnest efforts to resolve this critical matter, I have not received any acknowledgment or response to my disputes. The presence of these fraudulent accounts has not only severely impacted my credit score but has also caused significant distress in my personal life. I had taken the necessary measures in good faith, expecting the credit bureaus to address and correct these inaccuracies. It is deeply concerning that these disputes have seemingly been overlooked or ignored. I implore the Consumer Financial Protection Bureau to intervene in this matter and facilitate a just and prompt resolution. Your esteemed bureau 's assistance in ensuring the removal of these unauthorized accounts from my credit report will be invaluable in restoring both my credit standing and peace of mind. Thank you for your prompt attention to this grave concern. I am hopeful for a favorable outcome with your guidance and intervention. Warm regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I did not receive any information. The response said see attached. Nothing was attached. Again provide clarification, note that you have 30 days from the original compliant to provide me with written notification

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