vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion has reported my high balance on my XXXX account was XXXX from XXXX. My account credit limit is XXXX. So it seems that I went over my limit. This caused my score to plummet XXXX points in one month. 
My highest balance was under XXXX and paid off monthly. 
TransUnion told me to contact my credit card complain however the error is on their side. I continue to be out on the middle of this vicious circle of blame. I would just like to have correct information reported.

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 2023-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-08-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX completed the move out on the home I rented from them that was left clean and in proper move out order and free of any damages ( I have photo proof ).. They charged me and are attempting to collect over {$6000.00} in damages and repairs with no proof. There is no mov out inspection form forwarded or pictures of any damages or any receipts. The home was under renters insurance and any damages if notified could have been filed there. I was not notified until almost a year after move out. I went to the home two weeks after move out and new tenants were there.. the home had the same fixtures, doors, windows, floors and everything that was there when I moved out, nothing has been replaced. 
I reached out to XXXX XXXX XXXX and their collection agency Absolute Recovery and provided my images ( date and time stamped ) and the condition at move out proof in an effort to have the damages removed as they are fraudulent. The home was left with normal wear and tear after 4yrs of occupancy. Neither of the two have responded and the letters were sent certified with signatures. 

This company is placing fraudulent inflated debt on my credit report with no proof. I only owe rent that is mentioned which would be the {$3000.00} minus {$1000.00} security deposit which is {$2000.00} which I am prepared to pay in full and have this removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: IL

Complaint narrative:
This is related to CFPB complain - XXXX. 

Money is not deposited in receiving account. 

I demand to know telegraphic transfer copy ( XXXX XXXX ) or a XXXX in the standard format of electronic communication for transfer You can not close out the case simply writing money was delivered when there is no money in my account at destination. 

It is your job to prove money was delivered as instructed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
I have been disputing an account thats has been being reported on my credit report since XXXX. This account has been paid off since XXXX  and I have been disputing it for three years. I have emailed a statement from EZ Money to the debt collection agency verifying the account was paid off. The agency said it wasnt sufficient enough and they wasnt going to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: AL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent.

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 2023-08-03 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: PA

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-08-03 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: EQUIFAX, INC.
State: MO

Complaint narrative:
CFPB Writeup : 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. 

I told the Equifax, XXXX, and XXXX to reinvestigate these accounts : XXXX ( XXXX ) - XXXX XXXX XXXX XXXX  ( XXXX ) - XXXX XXXX, XXXX XXXX ( XXXX ) - XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, and XXXX XXXX  ( XXXX ) XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: SC

Complaint narrative:
XX/XX/XXXX I purchased a XXXX XXXX XXXX from US Auto Sales in XXXX S.C.. In XXXX my wife was laid off from her job, and began the search immediately. We had a small cushion to get by on and still maintain our finances. XXXX things had begun to tighten up and we started to get behind. By XXXX US Auto had disabled our car, not allowing my wife to look for work. Come mid XXXX or early XXXX we had seen on the news that all US Auto dealerships were closed. I began calling numbers given to find what was going on, however the numbers were leading to businesses in New Jersey, Texas. None dealing with autos. By the end of XXXX I recieved an email from US Auto to start forwarding my payment to Westlake Portfolio Management. I instantly XXXX this company to find nothing but horror stories for reviews of others that had the same scenario happen only to pay off the vehicle only to be told to pay thousands more to receive their titles or never receive them. Upon investigating further I called the XXXX which held the warranties and gap coverage to find US Auto had not paid for the warranties a year before I had even purchased this vehicle, this made my contract null and void the very minute I applied the ink to it. This was Breech number 1. This contract also states that any changes whatsoever would have to be signed by myself and US Auto, when the contracts were supposedly bought by XXXX this was breech number 2.

XXXX has yet to call me, I have had a few emails and three letters delivered I am now being threatened to have my car repoed. 
I refuse to pay another XXXX, to either of these companies because they have committed fraud!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I reached out to Experian because I received a notice that my credit score was effected, I tried to file a compliant and was referred to contact a representative. The representative said that they are not able to help me and I needed to contact the XXXX. I had reached out to XXXX because I received an email indicating that my account was pasted due but I didn't use that card since last year, they said I owed them {$87.00} for a automatics renewal fee. I asked them to cancel the card because I didn't want a card that has a renewal fee and besides that I never received a statement in the mail. They said they would cancel the card back on XX/XX/XXXX and it should take two cycles ( Two Months ) for it to come off. I received a notice from Experian that my credit score was dropped by XXXX basis points ( from XXXX down to XXXX ) and I also received a notice from my XXXX card that my credit limited has been lowered. I reached out to XXXX on XX/XX/XXXX and discussed the issue with a representative ( # XXXX ) and they said that they took care of it but it will take two cycles to come off. I was going to purchase a car and now my credit will effect my ability to finance the new purchase.

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 2023-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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. 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 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 2023-08-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 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 2023-08-03 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: FL

Complaint narrative:
This company was notified by me over phone communication that I dont want my personal information shared with affiliates or non affiliated parties. Then then sent me my Opt Out disclosure form which I fax in and they received. But they are still sharing my info with CRAs after I stated I want to limit the sharing of my information. Also I never sent them any certified permissible purpose stating I would want my reports shared in the first place pursuant 15 USC 1681b. They also fail to comply with 15 USC 6802 with respect to Opt Out of sharing my non public personal info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 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: GA

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.

has violated my rights. Or list of inquiries 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 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 2023-08-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: MD

Complaint narrative:
I believe that my information is being misused and reported as inaccurate and I am filing this complaint to TRANSUNION. In my credit report from XX/XX/2023, I found some derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity and also unauthorized inquiries .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-08-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been trying to dispute these XXXX XXXX XXXX for a couple years due to them engaging in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. I have attached my dispute letter from XX/XX/23 for your review.

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 2023-08-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been trying to dispute these XXXX XXXX XXXX for a couple years due to them engaging in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. I have attached my dispute letter from XX/XX/23 for your review.

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 2023-08-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
inaccurate information [ Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION ] Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1134 As per [ Title 15 U.S. Code 1681n - Civil Liability for willful noncompliance ] Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1134 As per [ Title 15 U.S. Code 1681o - Civil Liability Civil Liability for negligent noncompliance ] Pub. L. 95109, Sept. 20, 1977, 91 Stat. 874 As per [ Title 15 U.S. Code 1692- Congressional findings and declaration of purpose ] Pub. L. 95109, Sept. 20, 1977, 91 Stat. 876 As per [ Title 15 U.S. Code 1692c - Communication in connection with debt collection ] Pub. L. 95109, Sept. 20, 1977, 91 Stat. 877 As per [ Title 15 U.S. Code 1692d - Harassment or abuse ] Pub. L. 95109, Sept. 20, 1977, 91 Stat. 877 As per [ Title 15 U.S. Code 1692e - False or misleading representations ] Pub. L. 95109, Sept. 20, 1977, 91 Stat. 879 As per [ Title 15 U.S. Code 1692g - DEBT COLLECTION PRACTICES ] Pub. L. 95109, Sept. 20, 1977, 91 Stat. 880 As per [ Title 15 U.S. Code 1692j - Furnishing certain deceptive forms ] Pub. L. 95109, Sept. 20, 1977, 91 Stat. 881 As per [ Title 15 U.S. Code 1692k - Civil Liability ]

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