vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-30 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: IL

Complaint narrative:
To whom it may concern, Ive been on a credit building journey to improving credit and in the process I hired a so called credit repair company to do so, sad to say nothing has helped me improve and I am now lead em belive that this said company took advantage of me, and ACQUIRED SENSITIVE INFORMATION FROM ME. Im also lead to belive that ppl that were in my household also acquired my personal information and has made fraudulent accounts and purchases in my name, Ive tried reaching out to XXXX XXXX about these inaccuracies and received a response that was not helpful, they claim something about an ip address, I have 3 phones and ppl has had access to my phones and also my wifi at home, Ive completed one successful installment loan with self lender in XXXX never missed a payment, so when I contacted them I noticed a late payment but I was confused as to why because I knew I pod the loan off successfully so, but it seems another credit builder account was opened WITHOUT MY PERMISSION AND CONSENT!! Not only that but also some how a CREDIT CARD WHICH O MEVWR HAD OR HAD KNOWLEDGE OF WAS HOOKED UP TO MY BANK ACCOUNT SOMEHOW AND PURCHASES WAS MADE THAT ARE FRAUDULENT AND NOT AUTHORIZED BY ME, why would I just not pay a card, I have multiple other credit cards in good standing, Im being taken advantage of by XXXX XXXX  and whomever has accessed my information, multiple accounts have been hacked leading me to put a fraud alert on my credit profile. Id like these fraudulent 2 accounts that ARE STILL REPORTING REMOVED FEOM MY CREDIT PROFILE, I am a VICTIM IN THis SITUATION, I BARELY CAN READ AND WRITE AND COMPRHEND ALOT OF THINGS WOTHOIT IT BEING PROPERLY EXPLAINED the whole credit thing is confusing at best, I just last month learned how to see my credit profile with help from my mother, The FRAUDULENT accounts are : XXXX. XXXX XXXX XXXX XXXX date opened XXXX, XXXX, XXXX XXXX. A credit builder account XXXX XXXX  XXXX XXXX XX/XX/XXXX These 2 accounts I never had any knowledge of and they took Money out of my bank account that I WAS NOT AWARE OF!!! I need justice!!! 


The only account that should be reporting from self was A credit builder account opened on XX/XX/XXXX and I completed 12 months of payment on TIME NO PROBLEMS PLEASE CAN SOMEONE HELP ME WITH THIS COMPANY THAT IS REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE

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 2022-06-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Tesla, Inc.
State: CA

Complaint narrative:
Hi, I have a problem with returning my car to Tesla. 

On XX/XX/2022, I returned my leased car Tesla XXXX XXXX back to the dealership. On the pre-inspection, I've got a recommendation to change my rear tires since they were used. Before returning the car on XX/XX/2022, I changed my old tires to new ones. 

After a few days, I received an invoice where Tesla wanted to charge me for the old tires. 
I told them that I changed them to new ones. They send me photos of absolutely different cars ( I understood that because in the picture all tires were XXXX ). But I changed them to XXXX with the same characteristics as XXXX. 

After I attached to email the recipe from the tire shop and tell them that they are cheating with evidence. They stopped replying to my emails and I don't have any updates. 

Please, feel free to ask me any questions.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have only 2 open credit card on my account a XXXX XXXX  card and XXXX XXXX  both operating under XXXX XXXX XXXX and XXXX XXXX. 

under XXXX  card/ XXXX they are reporting multiple late payments I asked about htis on numerous phone calls and they told me they can not provide any information over the phone and I should dispute it with the credit bureaus. Why are they doing this I am not homeless with my XXXX kids sleeping in my XXXX because I can not get approved for an apartment because of these reporting incorrectly with no explanation! I called to have the remove from my credit and they keep telling me to dispute it and I am constantly going back and forth and they advise they made notes to their system. 

The second surge card is also reporting a lateness and I contacted XXXXXXXX XXXX they told me that I was never late but yet they are reporting this information This is an unfair practice and these are predatory cards that are {$300.00} credit limits with a XXXX to XXXX $ annual fee. they were the only ones to approve me after i had credit issues and I really appreciate that - but reporting incorrectly is truly disgusting. 

Also in my conversation with the XXXX XXXX I advise please can I pay off the card and have the entire account removed from my credit because I can not have my XXXX children sleeping in my moldy XXXX any longer they keep saying they do not have any information to provide about the lateness reporting. 


I need these incorrect reporting off my credit even if that means me paying these balance sin full and have them removed i will do anything 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 non-monetary relief
Consumer complaint received 2022-07-01 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report. I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX NAME : XXXX, XXXX, A EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NAME : XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX COLLECTIONS 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 2022-07-01 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report. I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX NAME : XXXX, XXXX, A EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX RIGHT XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EXPERIAN NAME : XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX COLLECTIONS 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 non-monetary relief
Consumer complaint received 2022-06-30 00:00:00
Product: Credit reporting, credit repair services, 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:
I have been disputing XXXX accounts from XXXX XXXXXXXX XXXX I disputed with the credit bureaus to no avail. My dispute is that first premier manipulated my payments to re-age my account. I requested proof of payment they never responded and the credit bureaus are validating this fraudulent activity. I have been affected by Covid-19 and I am just getting back on my feet. 
They reported a payment of {$0.00} on XX/XX/2019. On both accounts. It is illegal and very unfair. I have attached a picture of the page to experience 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 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2022, My letter was stamped received by XXXX Credit Bureau. The letter was a request for reinvestigation into accuracy of information being reported on my credit file.. Per the federal mandated time for this investigation. By law is 30 days, for the investigation upon completion of the results, I am to be made aware of whom completed the investigation results, whom was contacted in reference to the investigation, completed results, and how was the investigation information was obtained, The account XXXX Acct # XXXX is reporting inaccurate on my credit file, XXXX XXXX Co, Acct # XXXX, XXXX XXXX XXXXr Acct # XXXX, XXXX & XXXX Acct XXXX XXXX. As, of the date of this letter I have not received my results of my investigation. From XXXX Credit Bureau per federal law the mandated required time of 30 days has lapsed. Due to no response, and the non deliverance of my credit investigation results, and nor a copy of my updated credit file. My federally constituted rights has been violated by XXXX Credit Bureau. Per under section 15 USC 1681.

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 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
these companies had no permissible purpose to obtain my credit report ..... 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX. XX/XX/2022 XXXX, XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have only 2 open credit card on my account a XXXX XXXX card and Surge credit both operating under XXXX XXXX XXXX and XXXX XXXX. 

under XXXX  card/ XXXX they are reporting multiple late payments I asked about htis on numerous phone calls and they told me they can not provide any information over the phone and I should dispute it with the credit bureaus. Why are they doing this I am not homeless with my XXXX kids sleeping in my XXXX because I can not get approved for an apartment because of these reporting incorrectly with no explanation! I called to have the remove from my credit and they keep telling me to dispute it and I am constantly going back and forth and they advise they made notes to their system. 

The second XXXX XXXX is also reporting a lateness and I contacted XXXXXXXX XXXX they told me that I was never late but yet they are reporting this information This is an unfair practice and these are predatory cards that are {$300.00} credit limits with a XXXX to XXXX $ annual fee. they were the only ones to approve me after i had credit issues and I really appreciate that - but reporting incorrectly is truly disgusting. 

Also in my conversation with the XXXX XXXX  I advise please can I pay off the card and have the entire account removed from my credit because I can not have my XXXX children sleeping in my moldy XXXX any longer they keep saying they do not have any information to provide about the lateness reporting. 


I need these incorrect reporting off my credit even if that means me paying these balance sin full and have them removed i will do anything please!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have only 2 open credit card on my account a XXXX XXXX XXXX and XXXX XXXX  both operating under XXXX XXXX XXXX and XXXX XXXX. 

under XXXX  card/ XXXX they are reporting multiple late payments I asked about htis on numerous phone calls and they told me they can not provide any information over the phone and I should dispute it with the credit bureaus. Why are they doing this I am not homeless with my XXXX kids sleeping in my XXXX because I can not get approved for an apartment because of these reporting incorrectly with no explanation! I called to have the remove from my credit and they keep telling me to dispute it and I am constantly going back and forth and they advise they made notes to their system. 

The second surge card is also reporting a lateness and I contacted XXXX finance they told me that I was never late but yet they are reporting this information This is an unfair practice and these are predatory cards that are {$300.00} credit limits with a XXXX to XXXX $ annual fee. they were the only ones to approve me after i had credit issues and I really appreciate that - but reporting incorrectly is truly disgusting. 

Also in my conversation with the XXXX card I advise please can I pay off the card and have the entire account removed from my credit because I can not have my XXXX children sleeping in my moldy XXXX any longer they keep saying they do not have any information to provide about the lateness reporting. 


I need these incorrect reporting off my credit even if that means me paying these balance sin full and have them removed i will do anything 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 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been disputing 2 accounts from XXXX XXXX XXXX I disputed with the credit bureaus to no avail. My dispute is that XXXX XXXX  manipulated my payments to re-age my account. I requested proof of payment they never responded and the credit bureaus are validating this fraudulent activity. I have been affected by Covid-19 and I am just getting back on my feet. 
They reported a payment of {$0.00} on XX/XX/2019. On both accounts. It is illegal and very unfair. I have attached a picture of the page to experience 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 non-monetary relief
Consumer complaint received 2022-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a US Bank XXXX Credit card at XXXX. I enrolled their offer get XXXX points after I spend XXXX in 120 days. I finished their requirement at XXXX and I called their customer service to confirmed it. They said everything was met. just wait for next month statement to post the bonus. After next month statement I still not get any bonus yet. I called them again in XXXX. They still confirmed for me everything ok they will let manager to handle it. But after that I do received the letter said I am not met the XXXX requirement yet. so no bonus for me. I called them one more time. Now their supervisor XXXX is very rude, she changed the story said my XXXX  card doesn't count to the requirement. So they won't give me bonus. What happened to the US bank. They just use tricky to treat customer like this? I use their bank a couple years. I am their loyalty customer. Now I felt very frustrating and unhappy for their customer service. I just be cheated. If they said I am not met their requirement on the beginning when I called them. I still has time to spend it. Not just wait for 2 months later to tell me about the result is no. I think maybe it is the way they can save the bonus to keep the money. This is unacceptable. I want them honor the XXXX bonus.

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 2022-07-01 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: IL

Complaint narrative:
To whom it may concern, Ive been on a credit building journey to improving credit and in the process I hired a so called credit repair company to do so, sad to say nothing has helped me improve and I am now lead em belive that this said company took advantage of me, and ACQUIRED SENSITIVE INFORMATION FROM ME. Im also lead to belive that ppl that were in my household also acquired my personal information and has made fraudulent accounts and purchases in my name, Ive tried reaching out to XXXX XXXX about these inaccuracies and received a response that was not helpful, they claim something about an ip address, I have 3 phones and ppl has had access to my phones and also my wifi at home, Ive completed one successful installment loan with XXXX XXXX in XXXX never missed a payment, so when I contacted them I noticed a late payment but I was confused as to why because I knew I pod the loan off successfully so, but it seems another credit builder account was opened WITHOUT MY PERMISSION AND CONSENT!! Not only that but also some how a CREDIT CARD WHICH O MEVWR HAD OR HAD KNOWLEDGE OF WAS HOOKED UP TO MY BANK ACCOUNT SOMEHOW AND PURCHASES WAS MADE THAT ARE FRAUDULENT AND NOT AUTHORIZED BY ME, why would I just not pay a card, I have multiple other credit cards in good standing, Im being taken advantage of by XXXX XXXX  and whomever has accessed my information, multiple accounts have been hacked leading me to put a fraud alert on my credit profile. Id like these fraudulent 2 accounts that ARE STILL REPORTING REMOVED FEOM MY CREDIT PROFILE, I am a VICTIM IN THis SITUATION, I BARELY CAN READ AND WRITE AND COMPRHEND ALOT OF THINGS WOTHOIT IT BEING PROPERLY EXPLAINED the whole credit thing is confusing at best, I just last month learned how to see my credit profile with help from my mother, The FRAUDULENT accounts are : 1. XXXX XXXX XXXX XXXX date opened XXXX, XXXX, XXXX 2. A credit builder account XXXX XXXX date opened XX/XX/XXXX These 2 accounts I never had any knowledge of and they took Money out of my bank account that I WAS NOT AWARE OF!!! I need justice!!! 


The only account that should be reporting from XXXX  was A credit builder account opened on XX/XX/XXXX and I completed 12 months of payment on TIME NO PROBLEMS PLEASE CAN SOMEONE HELP ME WITH THIS COMPANY THAT IS REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE

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