vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
RE : Social Security NumberXXXX I have recently been informed that there is negative information reported by Bankruptcy in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see three entry listings of Dismissed Bankruptcy as follows : XXXX  XXXX bankruptcy dismissed, account number : XXXX ; XXXX  XXXX bankruptcy dismissed, account number : XXXX ; and XXXX XXXX bankruptcy filing, account number : XXXX. 

I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with Bankruptcy and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Further, I DO NOT CONSENT to any automatic verification procedures and/or processes that your agency may use.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Attorney General 's Office Cc : 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 2023-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Smith and Debnam for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The agency has been pursuing an alleged debt from 2007 that I disputed and despite my requests for validation, they have failed to provide proper documentation. 

I have previously requested that the debt collection agency provide me with written proof of the validity of the debt, including documentation that shows the original creditor, the amount of the debt, and any interest or fees that have been added. To date, they have not provided me with this documentation, and I am concerned that they are continuing to pursue collection activities without proper validation. 

I believe that this behavior is in violation of my rights under the FCRA and other applicable laws. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the debt collection agency complies with all applicable laws and regulations. 

Specifically, I am requesting that the agency cease all collection activities related to this debt until they can provide proper validation. I am also requesting that any negative reporting related to this debt be removed from my credit report until the debt can be properly validated. 

I appreciate your attention to this matter and look forward to your response. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
IN XXXX I brought a vehicle from Credit Acceptance Corporation, XXXX XXXX XXXX MI. ( XXXX ) XXXX a pay here buy here place, I put XXXX dollars down on the vehicle. I was then given a vehicle from a family member, I called the Car place to return the truck, it wasn't even a week .They came and got the truck. I received letters months later, that the truck was sold at an auction for XXXX dollars. It was a balance they say I owe of XXXX. I am not agreeing with this balance after I turned the truck back to them. I am trying to get this repossession off my credit .It was not an repossession. When I reached to the company on XX/XX/XXXX they want me to settle for XXXX cents.I would not take that.Im trying to purchase a home.

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 monetary relief
Consumer complaint received 2023-05-10 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: PA

Complaint narrative:
fraudulent inquiries appearing on credit report. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/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

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 2023-05-10 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: PA

Complaint narrative:
fraudulent inquiries appearing on credit report. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Hello I have multiple reports on my credit that were not verified or not mine. I have disputed it with all three credit bureaus and they removed it from some beuras but not all there is a collection account for collection services that was not me for {$190.00}. Also there is a credit card that was opened while I was in Virginia and was not me with XXXX XXXX. These need removed. I disputed them and then transunion and XXXX said it was verified correctly but when I asked for verification method and sent to me that I have a right too by federal law in 30 days they sent nothing. They were not me and they wont remove it if this doesnt work I will be sueing them. And no I do not need you to mark fraud I will freeze my credit myself

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 2023-05-10 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Hello I have multiple reports on my credit that were not verified or not mine. I have disputed it with all three credit bureaus and they removed it from some beuras but not all there is a collection account for collection services that was not me for {$190.00}. Also there is a credit card that was opened while I was in Virginia and was not me with XXXX  XXXX. These need removed. I disputed them and then XXXX and Experian said it was verified correctly but when I asked for verification method and sent to me that I have a right too by federal law in 30 days they sent nothing. They were not me and they wont remove it if this doesnt work I will be sueing them. And no I do not need you to mark fraud I will freeze my credit myself

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 2023-05-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the agency didnt make sure it was reporting XXXX percent correctly. XX/XX/XXXX, I mailed out my concerns in regard to in accuracy and invalidated inaccurate information that I noticed on my credit report. I have disputed the following accounts and also mailed out letter and a dispute letter as to why this information is in accurate. As of XX/XX/XXXX, all three credit Bureaus have received my letters and copy of my identification. After the 30 days from the date, they all received my concerns that was giving, I did not receive any requested information asked to validate 100 % accurately any of the following accounts or any response as my consumer right to prove the accounts are mines. I mailed out a follow up letter after the XXXX of XXXX. In addition, not only did the credit report agency specifically XXXX and XXXX have not removed the in accurate accounts off my credit report. XXXX specifically just mailed me a letter that I received XX/XX/XXXX which is more than the 30 days according to the FCRA laws to respond they stated the following accounts are VERIFIED AS ACCURATE. Accounts they are allegedly saying is accurate are XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I as a consumer have the right to understand how this came back validated and or proof of the following accounts such as original contract with my signature proof of identification and the actual thorough investigation on as to how did they find this accurate. My rights are being violated in many ways including the Credit Agency not responding within the designated days according the FCRA laws, also I asked for very descriptive information including again the original signed contract with my signed signature and to accurately prove and validate the accounts. The credit reporting agencies stated the accounts were properly investigated and came back as verified as accurate. However, how is this true when there are several inaccuracies showing on my credit report. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S Code 1681e ( b ) and 15 U.S Code1681i ( 5 ) these accounts are in violation of not reporting 100 % accurately.

As a consumer, I requested to know all the steps the agencies took to insure these items were 1005 accurate under 15 U.S.C. & 1681i ( 7 ) Method of verification-description of reinvestigation procedure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the agency didnt make sure it was reporting XXXX percent correctly. XX/XX/XXXX, I mailed out my concerns in regard to in accuracy and invalidated inaccurate information that I noticed on my credit report. I have disputed the following accounts and also mailed out letter and a dispute letter as to why this information is in accurate. As of XX/XX/XXXX, all three credit Bureaus have received my letters and copy of my identification. After the 30 days from the date, they all received my concerns that was giving, I did not receive any requested information asked to validate 100 % accurately any of the following accounts or any response as my consumer right to prove the accounts are mines. I mailed out a follow up letter after the XXXX of XXXX. In addition, not only did the credit report agency specifically XXXX and Experian have not removed the in accurate accounts off my credit report. XXXX specifically just mailed me a letter that I received XX/XX/XXXX which is more than the 30 days according to the FCRA laws to respond they stated the following accounts are VERIFIED AS ACCURATE. Accounts they are allegedly saying is accurate are XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I as a consumer have the right to understand how this came back validated and or proof of the following accounts such as original contract with my signature proof of identification and the actual thorough investigation on as to how did they find this accurate. My rights are being violated in many ways including the Credit Agency not responding within the designated days according the FCRA laws, also I asked for very descriptive information including again the original signed contract with my signed signature and to accurately prove and validate the accounts. The credit reporting agencies stated the accounts were properly investigated and came back as verified as accurate. However, how is this true when there are several inaccuracies showing on my credit report. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S Code 1681e ( b ) and 15 U.S Code1681i ( 5 ) these accounts are in violation of not reporting 100 % accurately.

As a consumer, I requested to know all the steps the agencies took to insure these items were 1005 accurate under 15 U.S.C. & 1681i ( 7 ) Method of verification-description of reinvestigation procedure.

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 2023-05-10 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I received notification from Experian regarding unauthorized credit inquiries on XX/XX/2023 and XX/XX/2023. On XX/XX/2023, I called Experian and placed a credit freeze and fraud alert. On XX/XX/2023, I received another notice of an unauthorized financial account opened under my name through XXXX ( a loan servicing company ). I contacted XXXX to alert them of the fraudulent account opened under my name and requested a freeze on the account and note the account as fraud. However, XXXX refused to note/report the account as potential fraud and refused to freeze or close the account. 

XXXX denied having a fraud department to work with regarding this situation and they were unwilling to look into this issue. I believe they have unethical and deceitful lending practices and are not offering responsible steps for preventing and handling fraudulent practices and fraud claims. Due to their unwillingness to take this matter seriously, it appears XXXX is making it their business to profit from lending money unlawfully. 

A Police Report has been filed.

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 2023-05-10 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: AL

Complaint narrative:
I went into titlemax last year to get {$500.00}. The lady basically con me into {$1500.00} load saying my interest rate would be lower. Here I am a year later and its almost at 200 % for 125 %. Plus they make it where you can a pall your available funds by just renewing anytime. I feel like this is a predatory move bc people are struggling. Now I owe much much more bc of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Description of Complaint : Chime suspended my account for XXXX  that occurred on their behalf upon setting of this account back in XXXX or XXXX I use an option that they provided on their website called sign in with XXXX. My XXXX XXXX name included an alias XXXX XXXX my legal name is XXXX XXXX on Monday. They suspended Chime suspended my account for that occurred on their behalf upon setting of this account back in XXXX or XXXX I use an option that they provided on their website called sign in with XXXX. My XXXX XXXX name included a alias XXXX XXXX my legal name is XXXX XXXX on Monday. They suspended my account and required me to provide proof of address and my. And my current an expired drivers license. I am mediately provided documentation within 30 minutes via email. Additionally, the following day they indicated that I had to request a formal legal name change. Additionally, I responded immediately within 30 minutes and I immediately provided them with the documents that they asked for which was proof of address my current, an expired license, front and last date I initially also went to the motor vehicle commission to receive a updated copy of my license with my current address as listed on the chime account it has been over 96 hours. My account is still under suspension. The suspension has not been lifted. I have escalated multiple times to a supervisor with the last escalation being today I was informed I would be he was in review. This is the differently, causing an issue in my life. My hardship I have had bills which I have not have been able to be paid because this is my primary financial institution this is inhumane, as well as Discriminative of people at chime, who have falsely suspended my account, as well as not provided the proper level of empathy or customer service to resolve the issue. I am greatly depressed by this. I have been able not able to work because I have not been able to use the funds in my account to get to work or pay my bills my children have been Desired Settlement : Contact by the business ; Finish the job ; Remove suspension on account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Dear PayPal Customer Service, I am writing to express my disappointment regarding the permanent limitation placed on my PayPal account, which I believe was a mistake. I would like to submit a formal complaint and appeal this decision. 

Firstly, I would like to state that I have not violated any PayPal policy. I have always conducted my transactions within the boundaries of the guidelines provided by PayPal. Therefore, I believe that the limitation placed on my account was an error. 

I am kindly requesting that PayPal re-investigate my case and restore my account if possible. I understand that mistakes can happen and I am willing to cooperate fully with PayPal in any way necessary to resolve this matter. 

I have been a loyal PayPal customer for several years now, and I have always used my account for legitimate purposes. It is therefore disheartening to have my account permanently limited without any proper explanation. 

Finally, I would like to confirm that the email address on my PayPal account is XXXX. I am available and willing to provide any additional information that may be required to resolve this issue. 

I thank you in advance for your attention to this matter and look forward to hearing back from you soon. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
I had XXXX XXXX to have removed... the surgeon was negligent in closing area and I became XXXX due to XXXX XXXX. Put in hospital for 1 week in XXXX unit. Told doctor I would not pay due to his negligence and related hospital bills incurred. Now a collection company is threatening to continually report non payment to credit companies until paid! Already explained to them numerous times

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Account for XXXX XXXX XXXX ending in XXXX. Citi Government Travel Card Program. 
Citi Reference Number : XXXX I have going round and round with Citi for months regarding this dispute to no avail. Once my travel voucher paid the balance on the card the balance was XXXX until late fall of 2022 when the disputed charge showed up- I have not used the card since a business trip I took in XXXX of 2022. 

That's how long Citi has been pursuing this erroneous charge : nearly 7 months. I do not recognize it and disputed it as fraudulent immediately. I have asked for documentation substantiating the charges via mail or fax because the attached documents are getting stripped when they try to send to my work email. I have yet to receive the documents for review after Citi promised they would mail the documents weeks ago. 

This is a {$70.00} charge I did not authorize. Period.

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 monetary relief