vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/XXXX Ive sent a written dispute request to TransUnion of XXXX bankruptcies thats reporting on my credit report, asking that this be investigated and verified with reporter with the method of verification including 1.Name of the court house who supposedly reported the information to the credit bureau .

2.Name of the person at the court house who handled this verification request.

3. Address of the court house and phone number 4. Document obtained from the court house to verify the authenticity of the bankruptcy.

TransUnion responded to this 5/12/23 written request VERIFIED AS ACCURATE with NONE of the requested information of method of verification.

I contacted US bankruptcy court Michigan and they informed me and also sent me a letter stating they DO NOT report any bankruptcies to credit reporting agencies, nor do they update information directly to credit bureaus. 

XX/XX/XXXX Ive forwarded this letter from US bankruptcy court Michigan to the credit bureau TransUnion letting them know they initial response stating that the information was verified as accurate was either an error or an investigation was NOT done. 

XX/XX/XXXX Transunion responded with the same letter from the first corresponded stated that the information was VERIFIED AS ACCURATE Transunion has not provided me with me 1.Name of the court house who supposedly reported the information to the credit bureau .

2.Name of the person at the court house who handled this verification request.

3. Address of the court house and phone number 4. Document obtained from the court house to verify the authenticity of the bankruptcy.

In order to verify that information is correct, the information must come directly from the source who is reporting this information for it to be verified as ACCURATE. I believe Transunion did not do any investigation to verify this information with the reporting source because they did not provide me with the requested information and its proven US bankruptcy Michigan DO NOT report or update any information to credit bureaus. I will attach proof.

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 2023-07-18 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: LA

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

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 inructions 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 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 2023-07-18 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: LA

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

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 inructions 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 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 2023-07-18 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: KY

Complaint narrative:
TransUnion XXXX XXXX # XXXX This account was re-aged and needs to be deleted for violations because the other XXXX report the date last active it as XX/XX/2025 and you have changed the date to XX/XX/2025.

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 2023-07-18 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: NV

Complaint narrative:
I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2023-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
I have received multiple calls from Central Portfolio Control Company calling to collect a debt for XXXX XXXX. I have numerous times stated to them that this phone number does not belong to XXXX XXXX, which does not seem to matter to them, I keep receiving calls from different collectors from Central Portfolio Control Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Regional Management Corporation
State: AL

Complaint narrative:
XXXX XXXX XXXX  some one been using my information fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BANKERS HEALTHCARE GROUP LLC
State: CA

Complaint narrative:
I have attached a copy of my personal loan from Bankers Heathcare Group. The interest seems predatory. I received a flyer in the mail, called about it and that same day a notary met me at work to sign papers without fully understanding what I was getting in to. I have attached my payment schedule. I supposedly borrowed {$80000.00} but only remember getting {$60000.00}. My total pay off will be {$140000.00}. This almost 100 % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Netspend Corporation
State: WI

Complaint narrative:
Well I had my account hacked hacked for {$1100.00} on XX/XX/2023 and then I got my account hacked on XX/XX/XXXX 9 times during the day and then they sent me a replacement card when they close my account and when I tried to activate it they deem me ineligible for their services even though they know I wasn't responsible for my account being hacked and they never really gave me a reason and that was on XX/XX/2023 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 2023-07-18 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: Continental Finance Company, LLC
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account #, 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 instructions.

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 2023-07-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Marlette Funding, LLC
State: GA

Complaint narrative:
The company stated in a notice that they are unable to extend credit to me because of settlement information listed on a credit report for an old account. I spoke with XXXX in the applications department, XXXXSupervisor in the applications department, and XXXX Manager of escalations. I informed them all that it is unlawful and an act of discrimination for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction or because the applicant has in good faith exercised any right under this chapter. XXXX stated she would put in a ticket to escalate the matter for a resolution within 24 hrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: CO

Complaint narrative:
I have paid my debt and other debts were the result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: American First Finance, Inc.
State: IA

Complaint narrative:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants and Medical Credit Corporation, Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding M & M CREDIT placement of a collection on my XXXX, XXXX, and XXXX credit reports without any prior contact. It was not until XX/XX/2023, that I became aware of this collection, as I had no prior knowledge or communication from M & M CREDIT. Upon reviewing my XXXX, XXXX, and XXXX credit reports on XX/XX/2023 ], I discovered the presence of a collection account placed by M & M CREDIT. 

This collection account came as a complete surprise to me, as I have not received any correspondence, notification, or communication from M & M CREDIT regarding this alleged debt. I have no knowledge of any business or financial transactions with M & M CREDIT. Placing a collection on my credit reports without any prior contact not only violates standard debt collection practices but also potentially harms my creditworthiness and financial well-being. It is crucial to address this issue promptly to ensure the accuracy and integrity of my credit reports. 

I kindly request the Consumer Financial Protection Bureau 's intervention and assistance in this matter. I urge you to investigate the actions of M & M CREDIT, ensuring compliance with the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. Specifically, I request that you : Verify the legitimacy and accuracy of the collection account placed by M & M CREDIT on my XXXX, XXXX, and XXXX credit reports. Determine whether M & M CREDIT has complied with the necessary requirements for debt collection, including providing proper notification and validation of the alleged debt. 

Take appropriate action to rectify any potential violations or inaccuracies related to this collection account. Ensure that M & M CREDIT ceases any further reporting or collection activities related to this alleged debt until the matter is fully investigated and resolved. 

I have enclosed copies of my XXXX and XXXX credit reports reflecting the reported collection account from M & M CREDIT. Additionally, any supporting documentation regarding my attempts to contact M & M CREDIT or request validation of the alleged debt is also included for your reference. I kindly request that you keep me informed of the progress of this complaint and provide updates on any actions taken or resolutions reached. I appreciate your immediate attention to this matter. Your efforts in protecting consumer rights and ensuring fair and ethical debt collection practices are greatly valued. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: VA

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
I was denied a car loan from XXXX. My income is {$1900.00} with my XXXX  as a co-signer. But they still denied me saying I would need a 3rd co-signer which I don't know anybody. So I'm stuck between a rock and a hard place. My XXXX  checked is credit report and it is a good credit score of XXXX and I was still denied. I am being unjustly denied a car loan. I'm getting all these car loan offers for a car loan because my bankruptcy has been discharged for a year now. But they still deny me. They just get me into the dealership to embarrass me. It's because of my race white and my gender being a female and my age.

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 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
Comenity bank has for months been unable to provide new ( inherited ) customers with the ability to register an account for a credit card they already have and use. I am asked to input my last XXXX SSN over the phone before I speak to anyone, which is unnerving considering I cant access my statements virtually at all. Customer service has told me there is no time frame for when registration will again be available. How can a financial institution take on an existing credit program without the infrastructure to properly support it?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XXXX I used my Care Credit Card by Synchrony bank to pay for dental procedure at XXXX XXXX XXXX. It was a XXXX  year XXXX interest offer on {$24000.00}. I set up ACH payments and it automatically took the amount required to pay the account off in the XXXX  years. That payment was around {$1000.00}. I NEVER designated a specific amount. All was fine, account paid off in XXXX  years. A year after that in XX/XX/XXXX, I had the remainder of the work done that was needed. Same place, XXXX XXXX XXXX, same credit card, Care Credit by Synchrony, same terms XXXX  years, XXXX interest, amount this time was {$22000.00}. ACH is still set up. In XXXX I received a statement showing that interest in the amount of XXXX had been applied to the account so that I now owe {$22000.00}. All along I thought the account should be paid off as of XX/XX/XXXX. I have called the company and they will not reverse any of the applied interest even though I have stated I will pay the account off immediately. They have advised that " This Time '' the ACH was only taking the minimum payment due each month. I understand that this is partially my fault for not checking my statements. I did not check them as I was under the impression that it was set up exactly the way they set it up the first time. I have spoken to an agent as well as XXXX separate account managers. I have asked to be transferred to their executive office or escalated complaints but they have refused. They did provide me with their corporate address. I am not one to shirk my debts. Since I had done this in the past I was under the assumption it would work exactly the same way which was a breeze. I feel that Synchrony Bank was incredibly deceptive in their practices this time. Again, I take responsibility for not checking and have learned a lesson. But, the fact that they charge 26 % interest is ridiculous and exorbitant to begin with and I would have NEVER charged this amount had I not been under the impression that it would work exactly the way it did the first time and I would not pay interest on it. I did not need to charge this but it sure makes life easier to pay it out monthly instead of having to withdraw from savings. I believe that Synchrony bank should waive the interest charged and allow me to pay the account off immediately due to their deceptive practice with this charge. Thank you for your time.

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 2023-07-19 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: TX

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair or remove these inaccurate items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2023-07-18 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: WI

Complaint narrative:
I SUBMITTED CLAIM ALREADY I JUST COULDN'T UPLOAD ALL THE INFORMATION MY CASE # XXXX PLEASE ADD TO CASE.

Company response to consumer: Closed with explanation