vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Good morning ; I have noticed identity theft someone with my same name used my information to a company I never heard of and they have posted it in my credit report. I contact the credit XXXX Transunion and they hanged up on me many times after I sent a register letter letting them know that by law they were not supposed to put items that are not mine on my credit report and they have it there causing me to hurt my credit report and having negative item in there. I am not able to give to get a home because this companies are lowering my credit score because they put collection accounts negative that are not mine. They never sent a verify letter and they have me in shelters because I could not get a home. I spoke to Transunion, XXXX and XXXX. supervisor and she hanged up on me telling me that a company can damage my credit report and report something is not mine. I need help I have the proof that I have sent a letter to them asking them to provide me a signature or something that was done by me and they never sent me but they receive the letter I sent and they said they do not need to follow the federal law and they will investigate and not erase soemthing is not mine and I have called them and ask them to removed because is not mine and is XXXX in there. I am scare that they will keep XXXX more things please need help the accounts are hard inquiries The collection accounts are those : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XXXX  is a closed account that appears on my credit report and is not mine Another XXXX XXXX account that is closed and XXXX/XXXX  is closed and is not mine removed those accounts that do not belong to me please. I need them to remove because by law I will take them to court because they are damaging my life and my kids not letting me get a home because they putting falls information on 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 2024-11-01 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: FL

Complaint narrative:
15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than XXXX business days after the date reception. It has been XXXX  days and you are in XXXX  of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in XXXX under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!

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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I recently was looking at my credit report and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you.

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 2024-11-01 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: VA

Complaint narrative:
I recently was looking at my credit report and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you.

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 2024-11-01 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: CO

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-11-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Climb Credit Inc.
State: MA

Complaint narrative:
I found out about a program called XXXX for music production when I got out of High School. I couldn't afford student loans for bigger schools so I thought the program with the certificate would be easier. The school informed me that it was " accredited '', that I would get a certificate and learn from a teacher who used to go to XXXX. After going through the course and getting my " certificate '', I realized that : - when I started, I had already almost quit due to the studio I was supposed to be learning at treating me like an intern the time I was there. I made a complaint and got that out of the way and finished the program thinking I'd have no issues. 

- the sale pitch for it was way different from the actual process, the ad showed a hands on, descriptive learning experience and half of my experience I watched XXXX videos with my mentor while he was on his phone, then for the last couple minutes we'd talk over the video - accredited meant nothing to no one, other colleges couldn't find any records to use when trying to search up schooling I already did - studios I applied to intern/work for seen it as a joke and it didn't compliment my resume. I spoke with an engineer at one of the studios and he said he's heard about cases like this prior and that they've cheated many people before into thinking it actually means something.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
My complaint is about Comenity Bank. I had a XXXX credit card with them, my original credit limit was {$500.00}. Over the last year they have been lowering my credit which makes it appear that I have gone over my limit every month. I closed my account a couple of months ago and have not made a payment. They call me XXXX times a day from different phone numbers. This is harassment. I have answered the phone a handful of times and informed them to quit calling my phone number and it still hasn't stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of certain accounts on my credit report, as I am a victim of a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), please remove the following accounts from my report : Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$00.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: DISCOVER BANK
State: FL

Complaint narrative:
Received a letter in the mail from Discover Student Loans- Which has a perfect payment record- Discover sold all student loans to Olympic SLT and is now being serviced by XXXX XXXX . I did not authorize this. All the interest Discover has made on the student loan account and to up and sell it without details to the customer is nonsense. 

I did not authorize a sale of the student loan with discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: CA

Complaint narrative:
I'm concerned about an unfamiliar inquiry on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
I purchased a Ford XXXX from XXXX XXXX XXXX XXXX in XX/XX/XXXX through Ford Motor XXXX XXXX Part of that loan purchase was an additional bumper to bumper extendded warranty. 

Last summer ( XXXX ) I noticed the Ford step running boards were starting to have the bubble up and eventially paint peel off the aluminum. I read throug the extended warranty and found it did cover the running boards, so I first contacted the dealership on XX/XX/XXXX. 

After XXXX ( XXXX ) weeks, I received an email back stating Thank you for the inquiry. The XXXX corrosion warranty is limited to body panels, running boards are not included. Therefore, coverage can not be provided. Based on this information, replacement of the running boards to correct corrosion issues is non-warrantable. '' I proceeded to write the attached letter to Ford and included the email thread along with the photos the dealership required at that time. A few weeks went by and I received a letter from Ford agreeing with the dealership decision that it was corrosion. I argued that aluminum does not corrode, therefore this is a manufacture 's defect and I would like to be compensated for the cost of the running board and the labor to install it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 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. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have an old account showing up on my experian credit report that should have been deleted. It was scheduled to be removed from my report by XX/XX/2024, but Experian has not deleted it.

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 2024-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Majority USA, LLC
State: CA

Complaint narrative:
l see some withdrawals that l didnt make for the total of XXXX dollars and l just want my money for l know for sure l didnt make those withdrawals

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It's been a month since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than 30 days have passed since I submitted my complaint.

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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to express my concerns regarding the practices of credit bureaus ( EXPERIAN ) in reporting inaccurate information and their failure to adequately verify debts. These issues have caused significant distress and financial hardship for me, undermining my ability to obtain credit and maintain my financial well-being. 

ACCOUNT DETAILS : Creditor Name : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number XXXX Amount : {$4.00}, XXXX I have requested for debt verification and original signed contract by me, but Experian decline to provide this information. i I want this to be investigate and be remove According to Fair Credit Reporting Act ( FCRA ) and Fair Collection Practices Acts ( FDCPA ). 

The repercussions of incorrect information on my credit reports, leads to denied credit applications, increased interest rates, and overall financial instability. It affecting my creditworthiness unjustly. 


Attached is a formal letter of debt verification sent via US certified mail and delivered. 

We appreciate your attention to this important matter and look forward to your prompt response Sincerely 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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy helping me due to XXXX XXXX XXXX XXXX  which falls under tracking according to XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/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 2024-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
In XX/XX/XXXX, I purchased a vehicle financed through Credit Acceptance Corp. I began making the corresponding monthly payments. The vehicle had a cost of {$12000.00} and was subject to an extremely high interest rate. 

Despite making my payments, in XX/XX/XXXX, due to the XXXX pandemic, I requested a deferment on my monthly payments for a period of 9 months. By XX/XX/XXXX, the abusive interest rates applied by Credit Acceptance made the debt difficult to manage. Due to this situation, I decided to proceed with a voluntary repossession of the vehicle. The dealership informed me that the vehicle would be sold or auctioned and that I would later be notified of the remaining balance on the debt. 

Approximately XXXX years have passed since the beginning of this situation with Credit Acceptance, until I learned that the company had been sued for high interest rates and lack of transparency in their contracts. Furthermore, this has become an issue on my credit report, as despite a court ruling that obligates the company to remove the negative report from credit records, Credit Acceptance continues to refuse to repair the damage and to correct the arbitrariness in their contracts and interest rates.

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 2024-11-01 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: GA

Complaint narrative:
This accounts were charged off on the following date : XX/XX/year>, XX/XX/year> Since then the date of last activity has been inconsistently updated to all XXXX credit reporting agencies XXXX, TransUnion, and XXXX If the dates are coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate, therefore all the accounts are deemed inaccurate. Please delete all accounts from my credit report immediately. The accounts are listed below with all relevant information. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX TransUnion : Date last XXXX XXXX : Date last XXXX XXXX : Date last XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX TransUnion : Date last XXXX XXXX : Date last XXXX XXXX : Date last active : 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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report. As a recent victim of identity theft due to a data breach, these accounts and inquiries are fraudulent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request that such inaccurate or fraudulent information be removed from my credit file. 
Account to be blocked and deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries to be blocked and deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Date : XX/XX/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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Received a letter in the mail from XXXX XXXX XXXX Which has a perfect payment record- XXXX sold all student loans to XXXX XXXX and is now being serviced by Firstmark Services XXXX I did not authorize this. All the interest XXXX has made on the student loan account and to up and sell it without details to the customer is nonsense. 

I did not authorize a sale of the student loan with discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: OK

Complaint narrative:
I am writing to formally request the blocking and deletion of the following accounts from my 
credit report, as I am a victim of a data breach. This request is made pursuant to 15 USC 1681c2(a) and FCRA  605(b):
Accounts to Be Blocked and DeletedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-01 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: OK

Complaint narrative:
I am writing to formally request the blocking and deletion of the following accounts from my 
credit report, as I am a victim of a data breach. This request is made pursuant to 15 USC 1681c2(a) and FCRA  605(b):
Accounts to Be Blocked and Deleted:
 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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