vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-10 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: NY

Complaint narrative:
TRANSUNION has committed Identity theft 15 U.S. Code 1681a ( 3 ), pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) TRANSUNION failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under Fair C

redit Reporting Act, you have violated 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, You have as also you have failed the requirement imposed under the Fair credit reporting act pursuant to 15 U.S. Code 1681e ( a ) and did not maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1

681b of this title. You can be held liable Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) because you have willfully failed to comply with three requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer In addition you have obtained information on, i the consumer under false pretenses from XXXX XXXX XXXX who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q

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 2023-04-10 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: TX

Complaint narrative:
Im accordance with the fair credit reporting act XXXX XXXX # XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: TX

Complaint narrative:
Im accordance with the fair credit reporting act 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states 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 explanation
Consumer complaint received 2023-04-10 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent the consumer reporting agencies a letter asking them to investigate late payments on my XXXX XXXX account due to the incorrect, incomplete and inaccurate reporting. The agencies removed the inaccurate reporting and place a new late payment on my account. At the same time the new late payment was placed on the account the decrease also decreased. Its blatant that the account can not decrease in payment and also be late at the same time. Attached is the proof of this false information. There is also lots of increase to my balance throughout the months and I sent a letter of investigation regarding is this acceptable per the federal government, FCRA, TILA, FDCPA because this entire account has been full of inaccuracies and violations. Please remove this late payment as it is detrimental to my health and livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent a letter XX/XX/ about a reinvestigation I gave them 15 days to provide proof of The name of the original creditor, The creditors address and telephone number, The persons name they verified the dispute with, The Valid documentation used to validate the dispute, Also, the procedures your company has in place to ensure each account is 100 % correct which they never provided anything. So XX/XX/ I sent a letter of all the violations they did to me. So I demand they delete and fix the accounts I told them to.

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 2023-04-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent a letter XXXX they received it XX/XX/ I gave them 15 days to provide proof of The name of the original creditor, The creditors address and telephone number, The persons name they verified the dispute with, The Valid documentation used to validate the dispute, Also, the procedures your company has in place to ensure each account is 100 % correct which they never provided anything. So XX/XX/ I sent a letter of all the violations they did to me. So I demand they delete and fix the accounts I told them to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Cash Express, LLC
State: KY

Complaint narrative:
I have disputed this loan with cash express as a precaution as I had a couple other payday loans that were taking out in my name, and I just want to verify that this was indeed me as a safety precaution. I requested on XX/XX/XXXX for information to be mailed to my address of XXXX XXXX XXXX XXXX XXXX KY XXXX. Which has been my address since XX/XX/XXXX. Instead of mailing me the information, I received notifications from lawyers that cash express filed a lawsuit against me, Under an address that I have notified cash express that I do not live at. Disclosing information to a family member. I then called cash express at the end of XXXX and they told me that they supposedly emailed me the information i requested however i have search and chatted with XXXX and they are not showing that an email was sent to my email of XXXX. I then spoke to XXXX in compliance who told me that he would Mail me out the information that I requested. Instead I got a letter today that tells me that I need to file a police report and provide them with my identification before they provide me with any of the requested information, why would I file a police report on something I am trying to verify before I verify it. They also told me that they will not update my address until i do so as well, which means that information will continue to be sent to a third parties house that I do not authorize. I have never had an experience like this in my life. This situation has caused me serious stress and frustration. At this point I do not believe cash express is exercising my rights as a consumer and clearly has something to hide as they will not release the validations of debt to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
On XX/XX/2023 went into the car to be a co-signer for a vehicle priced @ XXXX upon doing the application first they had you to electronically sign your name, after completing the application and going over Buyers Order. Nothing was discussed or shown about apr or all other misc. add on. Did not know about the outrageous charges untill I received the first payment notice in the mail.That 's when i made an account was able to see the outrageous cost of the vehicle.I called the bank and the young lady stated that the dealer was supposed to give me a copy of the bank documents The young lady stated she will mail me the information of the agreement. These are not the terms I agreed upon. I tried calling the dealer concerning why i was not told or shown or given the disclosure of the bank 's interest rate and high apr but to no avail. I have texted the number that was given no avail. If I was informed of the outrageous prices I would never have purchased the vehicle. The dealer sold me a car under false pretense.

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 2023-04-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Companies reporting on my Equifax credit bureau reporting multiple duplicate accounts. 
these entities are as follows : XXXX XXXX : Account # XXXX, An Inaccurate charge-off can not be on bureaus After closed. 
XXXX XXXX XXXX, XXXX  : account # XXXX Blatantly inaccurate account! duplicate collection account. 
XXXX XXXX XXXX : account # XXXX Blatantly inaccurate account! duplicate collection account. 

All Companies displayed on all XXXX of my credit reports for the SAME accounts. 
I dont understand how you can say that this collection was verified, when I havent seen any documentation whatsoever. This is a violation of my rights under section 609!

By disputing this debt and exercising my rights under UCC 1-308.

Under UCC 1-308, I reserve my right to not be compelled to perform under any contract or agreement that I did not knowingly, voluntarily, and intentionally enter into. I also reserve my right to assert any and all affirmative defenses and counterclaims that may be available to me under applicable law. 
Companies placed different information on all 3 major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Amex reported late payments on XXXX credit report which were inaccurate in XX/XX/2022 and XX/XX/2022. Spoke with Amex rep and was told that payments would be removed once account was up to date. This never happened and payments were continuously reported late which cause credit score to plummet. 

According to the Fair Credit Reporting Act 15 USC 1681 sec 602, 604 I never gave Amex permission to report this account on my credit report. The late payments were suppose to be removed, and my right to privacy has been violated. Please remove all late payments immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: NY

Complaint narrative:
I noticed a total or 5 unauthorized transactions on my Chime Account totaling {$1400.00} all from the same merchant. I have let the bank know as well that I have no idea what these transactions are. This is in regards to my Chime account # XXXX. I did not have my debit card in my possession at this time, and the transactions are as follows : XX/XX/XXXX XXXX XXXX {$990.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX {$230.00} XX/XX/XXXX XXXX XXXX {$20.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: IN

Complaint narrative:
I have been disputing inaccurate information with Experian, XXXX and XXXX over the past few months. I have been told they would not investigate and also that they have verified the information was accurate. 

I am disputing the following inaccurate information : XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX. XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor

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 2023-04-10 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: IN

Complaint narrative:
I have been disputing inaccurate information with XXXX, XXXX and Transunion over the past few months. I have been told they would not investigate and also that they have verified the information was accurate. 

I am disputing the following inaccurate information : XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX  XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXXXXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor

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 2023-04-10 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I have been disputing inaccurate information with XXXX, Equifax and XXXX over the past few months. I have been told they would not investigate and also that they have verified the information was accurate. 

I am disputing the following inaccurate information : XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX  XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXXXXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX  XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX  XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: PA

Complaint narrative:
I received the following message from debt collector for an address I never lived at or owned : Important message about your XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX National Recovery Agency is a debt collector attempting to collect the debt you owe to the creditor listed in this communication. We will use any information obtained from you to help collect the debt. 

We previously sent you a notice of your validation rights under the Fair Debt Collection Practices Act. You may still have time to exercise those rights. 


Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$150.00} If you do not dispute the debt, please send your payment to the address below or go to XXXX XXXX your NRA ID # is XXXX National Recovery AgencyXXXX XXXX XXXXXXXX Email XXXX A XXXX XXXX XXXX XXXX  To stop receiving text messages reply STOP

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 2023-04-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent a letter XX/XX/ about a reinvestigation I gave them 15 days to provide proof of The name of the original creditor, The creditors address and telephone number, The persons name they verified the dispute with, The Valid documentation used to validate the dispute, Also, the procedures your company has in place to ensure each account is 100 % correct which they never provided anything. So XX/XX/XXXX  I sent a letter of all the violations they did to me. So I demand they delete and fix the accounts I told them to.

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 2023-04-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Date of Fraudulent inquiry : XX/XX/2021, Company : XXXX XXXX XXXX Company address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Request Originator is fraudulent activity and I have already contacted all 3 credit bureaus & XXXX XXXX XXXX and reported this fraudulent activity that was not authorized by me or attached to any open account. I am contacting you guys to have this fraudulent inquiry removed.

Company response to consumer: Closed with explanation