vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to dispute the accuracy of the hard inquiries listed on my credit report provided by Transunion as allowed under the Fair Credit Reporting Act, 15 U.S.C. 1681. I have identified several inquiries that are inaccurate and request their immediate removal from my credit report. I have not authorized any of these companies listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that these discrepancies are investigated promptly and remove the inaccurate inquiries from my credit report.

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I asked for the incorrect information to be removed and the information is still there

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 2024-08-11 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: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-08-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-08-11 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: IN

Complaint narrative:
I have 3 hard inquiries in my credit report that I did never authorize. 
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 2024-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
This company has overcharged the value of the car. Credit Acceptance has made it impossible for anyone to pay the loan back. This company knew my situation when I first purchased my vehicle with them. The vehicle died off in the first XXXX days of having it. So I ended up writing a Better Business Bureau report because Credit Acceptance would not let me out of loan or trade vehicle. I got some great feedback after writing BBB.ORG. Credit Acceptance and The car dealership decided to trade me into another vehicle. Sadly that vehicle engine went out less than XXXX  months after purchase. So I was given another bad vehicle. Credit Acceptance refused to work with me regarding repairs and car payments. I purchased the extended warranty to cover things like this. I had to do another BBB Report for them to get the engine repaired. However, it took them XXXX XXXX  months for the engine to be repaired. So I was out of a car the entire time. I was paying for car rentals which made it impossible to keep up with car payments, I needed transportation for work and also my family. So I lost wages all around and I express that to Credit Acceptance. I ask for the payments to be paused until they can hold the end of their deal with the repairs. During this time the pandemic was happening also. All that being said I just discovered my credit report. Credit Acceptance has reported me to all credit bureaus. Reports of late payments and nonpayments every XXXX weeks. Since XX/XX/XXXX XXXX XXXX XXXX  years of fees and bad credit reporting. I have been on a promised agreement plan with them since that time frame as well. The car payment loan is XXXX a month. I have been paying different amounts to catch up with payments from large to small. I started paying XXXX twice a month since XXXX. Honestly wasn't supposed to have a past due balance due to the issue with the vehicle and lost wages due to not having a vehicle and losing income because I couldn't get to work. I have been overcharged for the vehicle price I am charged XXXX for a XXXX XXXX XXXX. The asking price wasn't this amount. The price also on the credit report is XXXX which has already been paid off. However, they asking for XXXX on their website. Another reason for the payments being behind is due to the car having multiple stolen car attempts. This Brand car ( XXXX ) crime rate is extremely high. This has happened XXXX times in XXXX year. This has caused my car insurance to rise because of claims. Also caused me other expenses such as car insurance deductible, car rental fees, XXXX XXXX, and garage fees. I just want this issue taken care of and cleared off my credit report. I just want this car label paid in full because it already has been overcharged and I lost more than the asking price.

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 2024-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX has repeatedly ignored my requests to prove I made a payment in XXXX and XXXX of XXXX. I have asked them to take the vehicle for its sitting in a shop parking lot for the last 5 years trying to exercise my right to a voluntary repossession however they refused then continued reporting falsely on my account and keep updating the statute of limitations 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 2024-08-11 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX has repeatedly ignored my requests to prove I made a payment in XXXX and XXXX of XXXX. I have asked them to take the vehicle for its sitting in a shop parking lot for the last 5 years trying to exercise my right to a voluntary repossession however they refused then continued reporting falsely on my account and keep updating the statute of limitations date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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 has repeatedly ignored my requests to prove I made a payment in XXXX and XXXX of XXXX. I have asked them to take the vehicle for its sitting in a shop parking lot for the last 5 years trying to exercise my right to a voluntary repossession however they refused then continued reporting falsely on my account and keep updating the statute of limitations 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 explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: DC

Complaint narrative:
On XX/XX/XXXX I filed my 1st CFPB complaint XXXX against XXXX for attempting to collect a debt not owed upon receipt of a letter XX/XX/XXXX. I moved out of the XXXX at XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX was onsite and witnessed the movers taking my things out of the XXXX XXXXXXXX. I turned in the keys to the front desk receptionist after I completed my move on XX/XX/XXXX. I am continuing to receive current monthly rental and lease charges in the amount of {$2000.00} per month plus late fees and charges from Conservice 3rd party billing service the rental property uses. I am concerned about this attempt to collect a debt I do not owe and the negative impact it has on my credit. The actions of XXXX and XXXX at XXXX XXXX is unlawful, deceptive and unfair business practices. Such action is illegal and should be stopped. I disagree with XXXXXXXX XXXX response to CFPB XXXX " National Credit Systems , Inc. is a third-party debt collection agency that is collecting a debt on behalf of The XXXX at XXXX XXXX XXXX. Charges were not assessed by XXXX. XXXX XXXX has disputed her debt, and XXXX has submitted her dispute to the CRAs as required by law. The original creditor contends that the debt is in fact owed and has provided documentation supporting the charges they assessed. If the consumer has additional information supporting her claim ( s ), please have her provide the documents to XXXX for further investigation and action if appropriate. '' I provided a copy of the inspection report that clearly states the date I moved out of the unit. XXXX failed to review this evidence. XXXX lied to CFPB that they were working on a response. However, I received a threatening letter XX/XX/XXXX which I attached to my 2nd CFPB complaint XXXX that was closed as a duplicate. I attached a copy of the threatening demand letter for payment of debt I did not owe from XXXX. I am filing this 3rd CFPB complaint in view of the recent letter I received from XXXX with its proposed resolution amount of {$4200.00}. I am very concerned and upset that XXXX and XXXX XXXX XXXX d/b/a The XXXX at XXXXXXXX XXXX  continue in their deceptive, unlawful and unfair business practice. This business practice should not be allowed to continue. I am referencing my 2 CFPB complaints in this 3rd complaint because it depicts the company 's deceptive, unfair and unlawful business practice in trying to collect a debt that I do not owe in spite of having provided evidence to the fact that I moved out of the unit and turned in the keys. I do not owe the debt and all debt collection should cease forthwith and with immediate effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
At the beginning of this year my credit score dropped abruptly, I realized that ABILITY RECOVERY SERVICES put a medical collection of {$1500.00} on my credit report that I was not aware of, after investigating I realized that this account is from more than 6 years ago ( it is dated XXXX  ). This account does not belong to me. Also I contacted the company to give me more information about this account because I really want to fix it since this is negatively affecting my life and my emotional health. The company representative was very rude and hostile and said that they had my information and that with my information they could collect that debt, however I have never seen the original bill although I did ask for it but they did not send it to me. I ask that this account be removed from my credit report please.

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 2024-08-11 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

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 2024-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Call Synchrony Bank, XXXX XXXX account to closed my account on XX/XX/year>. I paid off the current/statement balance. Will no longer be using the card and they actually charging me an interest charge and I have used the card in month. Told the representative to close the account. Not fair that you have charged me interest charge on the card when I have used the card. They sent a letter about lowering my credit allowance. I specifically told her to close the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime- {$470.00} & {$300.00}. Chime dots not investigate properly and denied my transaction. The names didnt even match on the records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: OH

Complaint narrative:
Credit Agencies, XXXX,, Trans Union and XXXX are all reporting inaccurate harmful information on My Credit Reports.

Only My current address and information should be displayed on My Credit reports in accordance with Fair Credit Reporting Act - ( FCRA ).

Credit Reporting Agencies, XXXX, XXXX and Trans Union are " All '' reporting a XXXX XXXX  Account on My Credit report that is " CLOSED '' and should be removed. 

Displaying " INCORRECT NON-CURRENT '' information on My Credit Reports Violates the Fair credit Reporting Act, ( FCRA ) 15 U.S.C. 1681 and 15 U.S.C. 1681e. This is against the law and is Harmful to Me.

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Credit Agencies, XXXX,, XXXX XXXX and Equifax are all reporting inaccurate harmful information on My Credit Reports.

Only My current address and information should be displayed on My Credit reports in accordance with Fair Credit Reporting Act - ( FCRA ).

Credit Reporting Agencies, XXXX, Equifax and XXXX XXXX are " All '' reporting a XXXX XXXX  Account on My Credit report that is " CLOSED '' and should be removed. 

Displaying " INCORRECT NON-CURRENT '' information on My Credit Reports Violates the Fair credit Reporting Act, ( FCRA ) 15 U.S.C. 1681 and 15 U.S.C. 1681e. This is against the law and is Harmful to Me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: IN

Complaint narrative:
I have 3 hard inquiries in my credit report that I did never authorize. 
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 2024-08-11 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I have 3 hard inquiries in my credit report that I did never authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: AMERICAN EXPRESS COMPANY
State: MD

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 uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation 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 explanation
Consumer complaint received 2024-08-11 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: LEXISNEXIS
State: AZ

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 uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation 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 explanation
Consumer complaint received 2024-08-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to dispute the accuracy of the hard inquiries listed on my credit report provided by XXXX as allowed under the Fair Credit Reporting Act, 15 U.S.C. 1681. I have identified several inquiries that are inaccurate and request their immediate removal from my credit report. I have not authorized any of these companies listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that these discrepancies are investigated promptly and remove the inaccurate inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief