vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I, XXXX XXXX XXXX reviewed my credit report and found the following item ( s ) to be in error. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who has received my credit report in the past six months

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 2024-11-19 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: FL

Complaint narrative:
I, XXXX XXXX XXXX reviewed my credit report and found the following item ( s ) to be in error. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who has received my credit report in the past six months

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
To Whom It May Concern, I am filing a complaint against XXXX XXXX regarding an auto loan for a XXXX XXXX XXXX that I began leasing in XXXX. I believe the loan terms are predatory, the vehicle was significantly overpriced, and the annual percentage rate ( APR ) is excessively high. When I entered into this agreement, I was not adequately informed about the financial consequences of the high APR and extended loan term. The original price of the vehicle ( {$34000.00} ) was significantly inflated, far exceeding its fair market value at the time. I believe the lender engaged in unfair practices by approving the loan at such an exorbitant cost and interest rate, despite the cars actual worth and my financial capacity. 
The APR of 22.99 % is extremely high, making it nearly impossible to pay off the loan without incurring significant financial hardship. I believe Credit Acceptance took advantage of my financial vulnerability by approving a loan under these unreasonable terms, which may violate consumer protection laws. 


Thank you for your attention to this matter. Please contact me if additional details or documentation are required.

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 2024-11-20 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: AL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-20 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I am filing this complaint regarding unauthorized hard inquiries reported by Experian on my credit report. These inquiries were made without my consent, which is a violation of federal laws governing credit reporting and permissible purposes for accessing consumer credit files. 

The unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have not authorized these institutions to conduct hard credit inquiries, and I request that Experian provide proof of my consent for each of these inquiries. If no proof can be provided, I request immediate removal of these inquiries from my credit report. 



Thank you for your time and attention.

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 2024-11-19 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:
The following credit inquiries were made without my knowledge or authorization, I will also list the dates which they were made : XXXX 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/year> Who are these companies? I have no idea, I never consented or authorized them to pull my credit!

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Alorica Inc.
State: MO

Complaint narrative:
I am writing to formally request the deletion of a specific account from my credit report. The account in question was originally established in XXXX. Between the years XXXX and XXXX, when SST XXXX acquired my account, there were indeed missed payments recorded in XXXX and XXXX. However, SST began reporting this information to credit bureaus starting in XXXX. 

During a recent conversation regarding this matter, I was informed that SST does not have any historical data regarding the dates of my initial late payments, and I was advised to reach out to XXXX XXXX to obtain any prior account history they may have. This situation seems contradictory, particularly since SST sold the account to XXXX XXXX ; logically, both companies should possess similar records concerning account history and payment status. 

Furthermore, it is important to note that XXXX no longer reports this account on my credit file, and similarly, XXXX XXXX has ceased reporting as well, given that the balance has been paid off. While it is acknowledged that the account was late in XXXX, I believe that considering the time elapsedseven years since the first reported late paymentthe reasonable course of action would be to delete this account from my credit report. I urge you to review this matter diligently and make the right decision to remove this account, as its presence on my credit report is no longer justified. Thank you for your attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: Hillcrest Davidson & Associates
State: NJ

Complaint narrative:
I took a Contract from XXXX with my account number XXXX on XX/XX/year> I requested the Alarm system to be transferred to another address as promised by the representative from XXXX at the time of purchase of the contract. A few months after the system was changed to my new address, I started receiving a phone call from a 3rd party called XXXX XXXX that I breached the contract and I needed to pay {$1200.00} otherwise they would ruin my good credit. to make a story short after a month of conversation me trying to explain that I have still XXXX in my other property. they insist that it does not work like they sold my contract to XXXX XXXX. Even though I don't Own anything to XXXX, I am responsible for paying XXXX XXXX. It's a misleading and bad practice. I was forced to pay a Collection agency to fix my good credit. Please help me. i have try to talk to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: TX

Complaint narrative:
In or on about XX/XX/2023, I signed up for a XXXX XXXX credit card that would prepay for services from a company called XXXX XXXX XXXX to put some flooring in my house. XXXX XXXX XXXX agents came to my house twice with the wrong colored flooring, and later admitted that they didn't have the flooring that I requested. Since XXXX XXXX XXXX didn't have the flooring that I requested in stock they couldn't provide me with a service. XXXXXXXX XXXX  is still charging me for services that were never provided to me. I wrote both companies several times, through certified mail with affidavits of proof of correspondence sent, and neither companies responded to address the issue. XXXXXXXX XXXX response is only a copy of the contract signed between myself and XXXX XXXX XXXX but neither addressed the issue. I called the Bank to ask for their legal team and I was told that the Bank doesn't have a legal team ( which sounds odd ). The issue is that I didn't receive a service from XXXX XXXX XXXX  and by the laws of equity I shouldn't have to pay for services I didn't receive. XXXX XXXX XXXX should not receive unjust enrichment for services not provided and I should not have to pay for unjust enrichment. Please have XXXX remove the negative information from my credit report because it is effecting my report negatively. If you need copies of the correspondence that I have sent to both parties I can provide that, and I can send your agency all of the correspondence that was sent to me by them to prove they never addressed the issue. Thank you for your time in this matter and may XXXX bless you and your family.

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 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Online Information Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owned the debt. 
This letter is to inform you that I have rights to request a validation of this debt and your ability to this money from me. I asked that prove that I am indeed the party who is contractually bound to pay off this debtor stop collection activity and remove it all together. 



Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with the promise to pay the original creditor Complete payment history on this account, to prove that the amount you wish to collect is correct. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer SSN : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in a few fraudulent hard inquiries and fraudulent accounts appearing on my consumer FICO credit report. I've attached documents with the accounts and inquiries in question maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts on my credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts 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 are the result of identity theft.

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 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Steel River Systems, LLC
State: VA

Complaint narrative:
Steel River Systems LLC 's collections accounts are fraudulent attempts to collect on behalf of XXXX XXXX XXXX. I have never done business with XXXX XXXX XXXX or Steel River Systems LLC. Steel River Systems is attempting to collect two separate debts that originated from XXXX XXXX XXXX. One in the amount of {$3000.00}, and the other in the amount of {$2600.00}. The amount of {$3000.00} suspiciously matches my federal tax refund. My information was also leaked as part of an XXXX XXXX XXXX  data breach. The collection shows up only on my XXXX credit report. All accounts are paid in full and current. This is a fraudulent attempt to collect on an account that I have never had. I do not have a corresponding account number because I have never had an account with these businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Complaint Regarding Secured Credit Card Account and Withheld Refund of $ XXXX Regions Bank XXXX XXXXXXXX XXXX XXXXL Account Closure Request ( XX/XX/year> ) : Regions Bank XXXX XXXX XXXX XXXX I contacted the bank to request the closure of my secured credit card account, which I had maintained for nearly 5 years with timely payments and excellent credit history. 
I specifically requested the release of my {$5000.00} security deposit at the time of closure. 
I was informed that the account would be closed and that I would receive a check for the {$5000.00} within 60 days. 

Partial Refund ( XX/XX/year> ) : On XX/XX/XXXX, I received a check for {$3.00}, which was labeled as an overpayment refund. However, I did not receive the {$5000.00} deposit. 

Follow-Up Call ( XX/XX/year> ) : I called to inquire about the status of my {$5000.00} refund. 
The agent informed me that the initial account closure request from XX/XX/XXXX was denied due to an error by the previous agent, leaving the account open. 
The agent stated that a new closure request would need to be submitted and another refund check requested. 

Frustration and Lack of Resolution : After multiple communications, I remain frustrated and confused as to why the account was not closed and why my {$5000.00} has not been refunded. 
When I requested escalation, a supervisor informed me that I would need to visit a bank branch to resolve the issue. 
I have already visited a branch three times, and each time I was instructed to call the credit card customer service number, leading to a cycle of unhelpful referrals. 

Concerns : The bank is effectively withholding {$5000.00} of my money despite my repeated and clear requests for account closure and refund. 
I feel that my rights as a customer have been violated due to the lack of transparency, accountability, and resolution.

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