vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I visited a dealership in order to buy a car. The fact that I was taking part in a car purchase for the first time put a lot of strain on me. There was always some sort of sales pitch. My personal credit was also checked and inevitably pulled without my permission during the purchasing procedure. 
When I learned that a down payment was required for the transaction to buy the automobile, it changed the type of car I had originally wanted.

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 2023-02-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XXXX of 2021 I received notice that my credit score had decreased. I investigated and found out that the company I was leasing my car from had sent a final bill to an address that I hadn't lived at in a decade. Because of that, the bill was not paid and was sent to collections. 

Upon learning that this happened, I called the company and paid the outstanding fee immediately. However, the damage had been done and my credit score dropped XXXX XXXX. 

In the 18 months since that has happened, this mark is still not off my credit report and is now causing me to have to pay a high fee for my next car because I am being approved at tier 2, not tier 1. 

I have not missed a payment on anything else and my credit report will show that. I immediately paid the fee upon learning of it, and yet my credit score has only minimally rebounded. 

This is causing me money, this is causing me stress, and this is something that should have been resolved 18 months ago when the fee was paid. 

I am livid that this hasn't been resolved yet and I will fight tooth and nail until it is. 

My credit history is spotless outside of this one instance, which again, was initiated by the car company sending a bill to an address I hadn't lived at in 10 years, and will continue to be so. 

I have filed claims with my credit reporting company, with the car company, with CFPB, and left reviews on XXXX  I am looking for a resolution to this punitive experience and will not stop until I find 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 explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-02-23 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: LEXISNEXIS
State: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, XXXX, LexisNexis, XXXX, XXXX, and XXXX ( XXXX  and XXXX XXXX XXXX ). 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : Self-Employed Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
For many years since XXXX and Present XXXX has put many negatives and collections on my credit report and I have filed many Federal complaints and XXXX ignore in deleting the negative collections and negative marks on my XXXX Credit report. 

XXXX allow their third parties business partners to use my Private information such as Social Security number and all my private information. 
XXXX even had a Data Bleach issues and was sued by Law Firms in XXXX Georgia with a {$1.00} XXXX Dollars Class Action Lawsuit in which I haven't receive my Restitution Award Settlement check no less than {$50000.00} and XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX with Claim number # XXXX Refuses to send my check by US Postal Mail Service Express, or Federal Express Mail XXXX XXXX Mail Express as respectfully requested. 
Email : XXXX I am Respectfully Disabled Life and Retired and a US XXXX XXXX XXXX Veteran.

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 2023-02-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This personal information is incorrect.I have contacted the credit bureaus to update my information. 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX GA 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 2023-02-23 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:
My personal information was breached and is in a autosystem that runs credit and several credit card and hard inquries was made without my acknowledgement, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-23 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:
My personal information was breached and is in a autosystem that runs credit and several credit card and hard inquries was made without my acknowledgement, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My personal information was breached and is in a autosystem that runs credit and several credit card and hard inquries was made without my acknowledgement, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX I had applied for this card and at the time I was living at a X house in which the car was sent to my old address and I believe that my ex use my car and maxed it out. My ex had my new address and never tried to return the car to me I contacted the credit card company informed them about the situation. I was told to dispute the transactions, but later found out that they said that I was responsible for the charges I believe that this is truly on fair as I did not make any of these purchases on this card it should not be fine reliable for the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: ID Analytics, Inc.
State: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, SageStream, XXXX, XXXX, XXXX, and XXXX ( XXXX  and XXXX XXXX XXXX ). 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : Self-Employed Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts bellow has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any others adverse item of information, other than records of conviction of crimes which antedates the report by more than seven year.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: RI

Complaint narrative:
RE : VIN # XXXX This is simply a request for information in regards to the XXXX XXXX XXXX. I bought this vehicle on or around XX/XX/XXXX from XXXX XXXX XXXX. I was hoping that you would be able to provide a copy of the following information for my records : Copy of the Retail Installment Contract Copy of the Arbitration Agreement Copy of any other documents you have on file with my signature The accounting for my account reflecting payments, credits, and adjustments A clarifying statement of your role in this transaction Also, the vehicle in question was purchased on XX/XX/XXXX, financed by CREDIT ACCEPTANCE CORPORATION repossessed in the state of RHODE ISLAND. Under the laws of RHODE ISLAND and UCC 9-506 as well as RHODE ISLAND XXXX and XXXX statuses, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits have adhered too. I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. Effect of errors or omissions 9-611. Notification before disposition of collateral 9-612. Timeliness of notification before disposition of collateral.

9-613. Contents and forms of notification before disposition of collateral 9-616. Expl
anation of Calculation of Surplus or Deficiency You are required to provide me copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided, the alleged claim of the deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularity or severally fail to comply with the above requests, I reserved the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies.

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 2023-02-23 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: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, Equifax, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, XXXX, XXXX, XXXX, Teletrack, and XXXX ( XXXX  and XXXX XXXX XXXX ). 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : Self-Employed Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act of 1970, the following companies have violated my rights by reporting inaccurate, or outdated information XXXX and XXXX Account XXXX XXXX. And XXXX are both the same thing, and they are debts obtained without my permission or knowledge. I moved out of XXXX with a {$0.00} balance and was owed my deposit, never received it. Was never contacted regarding balance owed, and {$6600.00} in fees accrued is ridiculous when I didnt even live there. 

XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX Paid in full, can not reach a representative to find full account number. 

XXXX XXXX XXXXXXXX Phone number : XXXX Paid in full and closed in XX/XX/XXXX XXXX XXXX  Account number XXXX XXXX XXXX {$930.00} - should not owe this debt from the insurance company. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Thank you for your time and hard work.

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 2023-02-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act of 1970, the following companies have violated my rights by reporting inaccurate, or outdated information XXXX and XXXX Account XXXX XXXX. And XXXX are both the same thing, and they are debts obtained without my permission or knowledge. I moved out of XXXX with a {$0.00} balance and was owed my deposit, never received it. Was never contacted regarding balance owed, and {$6600.00} in fees accrued is ridiculous when I didnt even live there. 

XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX Paid in full, can not reach a representative to find full account number. 

XXXX XXXX XXXXXXXX Phone number : XXXX Paid in full and closed in XX/XX/XXXX XXXX XXXX Account number XXXX XXXX XXXX {$930.00} - should not owe this debt from the insurance company. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Thank you for your time and hard work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: FactorTrust, Inc.
State: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), FactorTrust, XXXXXXXX XXXX XXXXXXXX, XXXX, and XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX ). 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/ Employer : XXXX  Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above. 
Attached to this complaint are supporting documents to validate the accuracy of my personal information.

Company response to consumer: Closed with explanation