vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to dispute certain credit inquiries that appear on my credit report without my authorization.

According to Section 604 of the FCRA ( 15 U.S.C. 1681b ), credit bureaus may only allow inquiries when there is a permissible purpose explicitly authorized by the consumer. I have not provided my authorization for the following inquiries, and I request their immediate removal : Unauthorized Inquiries to Be Disputed : XXXX XXXX  XXXX XX/XX/year> ( TransUnion ) XXXX XXXX  XXXX XX/XX/year> ( TransUnion ) Legal Basis for My Dispute : Section 609 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681g ( a ) ( 1 ) ) grants me the right to obtain all information related to these inquiries, including documented proof of my consent.

Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires credit bureaus to investigate and correct inaccurate information within 30 days.

If these inquiries were made without my consent, they must be removed immediately, as they constitute a violation of the FCRA.

I Request the Following Actions Immediately : Remove all the inquiries listed above from my credit report unless you can provide written proof of my authorization.

Provide me with documentation proving that I authorized these inquiries ( if available ).

Confirm in writing that these inquiries have been removed within the 30-day period as required by the FCRA. 
If you fail to provide proof of my authorization, this will constitute a violation of the FCRA, and I reserve the right to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. 

I appreciate your prompt attention to this matter and look forward to receiving a written response within the legally mandated time frame

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to dispute certain credit inquiries that appear on my credit report without my authorization.

According to Section 604 of the FCRA ( 15 U.S.C. 1681b ), credit bureaus may only allow inquiries when there is a permissible purpose explicitly authorized by the consumer. I have not provided my authorization for the following inquiries, and I request their immediate removal : Unauthorized Inquiries to Be Disputed : XXXX XXXX  XXXX XX/XX/year> ( TransUnion ) XXXX XXXX  XXXX XX/XX/year> ( TransUnion ) Legal Basis for My Dispute : Section 609 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681g ( a ) ( 1 ) ) grants me the right to obtain all information related to these inquiries, including documented proof of my consent.

Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires credit bureaus to investigate and correct inaccurate information within 30 days.

If these inquiries were made without my consent, they must be removed immediately, as they constitute a violation of the FCRA.

I Request the Following Actions Immediately : Remove all the inquiries listed above from my credit report unless you can provide written proof of my authorization.

Provide me with documentation proving that I authorized these inquiries ( if available ).

Confirm in writing that these inquiries have been removed within the 30-day period as required by the FCRA. 
If you fail to provide proof of my authorization, this will constitute a violation of the FCRA, and I reserve the right to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. 

I appreciate your prompt attention to this matter and look forward to receiving a written response within the legally mandated time frame

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Global Lending Services LLC
State: CO

Complaint narrative:
Global Lending Services, contacted my work, and my family members to discuss my debt owed to them and about how I them money. They have already been harassing me nonstop but now theyve expanded to my personal network, this is not okay under any circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
Bridgecrest and XXXX have engaged in deceptive, unfair, and unlawful practices regarding account XXXX. The vehicle was sold as being in excellent condition, but within 30 days, it required a full transmission replacement. I later discovered that the vehicle had prior transmission issues and a recall replacement before the sale. Bridgecrest and XXXX knowingly misrepresented the vehicles condition, committing fraud from the outset. 

After making timely payments for over a year, I attempted to refinance the vehicle in XX/XX/XXXX but was denied because the financed amount was more than double the cars value. Since then, I have repeatedly requested a full accounting, interest breakdown, and refinancing options. Bridgecrest stated they were only the servicer, not the originator, and refused to provide key TILA-mandated documents, including the promissory note, chain of assignment, and forward flow agreement. Without these, they have no lawful claim to collect or report. 

After their continued failure to provide validation, I initiated arbitration on XX/XX/XXXX, per the agreement. Despite this, Bridgecrest updated the account as a charge-off in XX/XX/XXXX, in direct violation of arbitration proceedings. They have since refused to participate in arbitration while continuing to act on the account, including harassment, breach of peace, and repossession attempts, despite knowing arbitration is pending. 

Additionally, Bridgecrest has inaccurately reported a monthly payment of 605 when the contractual amount was XXXX and failed to report payments from XX/XX/XXXX through XX/XX/XXXX. This false reporting, along with their refusal to validate any lawful obligation, is a clear violation of the Fair Credit Reporting Act, Truth in Lending Act, and consumer protection laws. Immediate investigation and enforcement action are required to stop these unlawful practices and remove the unverifiable reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: OH

Complaint narrative:
XXXX and XXXX have engaged in deceptive, unfair, and unlawful practices regarding account XXXX. The vehicle was sold as being in excellent condition, but within 30 days, it required a full transmission replacement. I later discovered that the vehicle had prior transmission issues and a recall replacement before the sale. XXXX and XXXX knowingly misrepresented the vehicles condition, committing fraud from the outset. 

After making timely payments for over a year, I attempted to refinance the vehicle in XX/XX/XXXX but was denied because the financed amount was more than double the cars value. Since then, I have repeatedly requested a full accounting, interest breakdown, and refinancing options. XXXX stated they were only the servicer, not the originator, and refused to provide key TILA-mandated documents, including the promissory note, chain of assignment, and forward flow agreement. Without these, they have no lawful claim to collect or report. 

After their continued failure to provide validation, I initiated arbitration on XX/XX/XXXX, per the agreement. Despite this, XXXX updated the account as a charge-off in XX/XX/XXXX, in direct violation of arbitration proceedings. They have since refused to participate in arbitration while continuing to act on the account, including harassment, breach of peace, and repossession attempts, despite knowing arbitration is pending. 

Additionally, XXXX has inaccurately reported a monthly payment of XXXX when the contractual amount was XXXX and failed to report payments from XX/XX/XXXX through XX/XX/XXXX. This false reporting, along with their refusal to validate any lawful obligation, is a clear violation of the Fair Credit Reporting Act, Truth in Lending Act, and consumer protection laws. Immediate investigation and enforcement action are required to stop these unlawful practices and remove the unverifiable reporting.

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 2025-02-20 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX 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 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights. 


I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Chime Financial Inc
State: OH

Complaint narrative:
I had {$2000.00} stolen out of my chime account and they did nothing about it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
Our mortgage was sold to LakeviewXXXX in XXXX, and since then, their handling of our account has been completely unacceptable and possibly illegal. We have been given conflicting information about how much we owe, and the balance they claim does not match what is shown in our online account. Every time we call, we are forced to speak with a different representative who has no knowledge of our previous conversations, requiring us to explain the situation over and over again. 

Even worse, LakeviewXXXX has repeatedly misrepresented our account status and how they process payments. They withdrew money from our bank account but did not apply it to our mortgage. Despite taking the funds, they falsely claimed that we had insufficient fundsessentially taking our money without crediting our loan. This is deceptive, dishonest, and could be a violation of federal banking regulations. 

Their practices are causing financial and emotional stress, and their inability to properly manage our account raises serious concerns about their compliance with mortgage servicing laws.

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 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-02-20 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: GA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a. Accounts : XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am writing in reference to the collection activities currently being pursued by your company regarding the allege debt associated with account number XXXX with an amount of {$1700.00}. I dispute the validity of this debt and request that you immediately cease and desist from any further collection activities until you have provided me with the following documents XXXX. Forward Flow Agreement : A copy of the original Forward Flow agreement that demonstrates the transfer of the debt from the original creditor to Midland Credit Management ( not the bill of sales ). XXXXChange of Assignment : Documentation that clearly shows the chain of assignment for this debt, including any documents that details the assignment of the debt to Midland Credit Mangement . Please be advise that, under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt, and you are required to cease all collection activities until this verification is provided. I request that you send me the required documentation within 15 days of receiving this letter. I request that you immediately cease all collection activities related to this matter and remove any negative reporting to/from the 3 credit bureaus. failure to comply with my request will result in me considering further actions to protect my legal rights This request is made pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Debt Collection Practices Act. Please confirm receipt of this letter and provide me with the requested documentation at the earliest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: FL

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under XXXX XXXX XXXX XXXX ( b ) Billing Error : ( XXXX ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature on a statement. 
XXXX XXXXXXXX XXXX  XXXX - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by XXXX ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than XXXX days before the payment due date.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have a car lease with XXXX XXXX they stopped reporting my payments to the credit agency 's in XXXX after my XXXX was discharged even know im still makeing ontime payments to them

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 2025-02-20 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: MI

Complaint narrative:
I have a car lease with XXXX XXXX they stopped reporting my payments to the credit agency 's in XXXX after my XXXX was discharged even know im still makeing ontime payments to them

Company response to consumer: Closed with non-monetary relief