vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I reached out and placed a complaint with the cfpb about two or three weeks ago. About the fact that the credit reporting agencies failed to respond to numerous letter that had been sent. XXXX sent on the XXXX and another on the XXXX of XXXX. Many letters were sent before that but these are the XXXX I would like to focus on because these are the XXXX I made complaints. About. The agencies are required to respond within 30 days and they did not in fact I made that co plaint to the cfpb and during the investigation time that's when they decided to send letters but their 30 day period to respond had already finished I would like the cfpb to require these agencies to remove my information since they have not been able to verify the necessary accounts listed under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I recently checked my credit report and noticed that I have unauthorized inquiries and information that I didnt give my consent! I want all of these inquiries removed from my credit report asap!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: GA

Complaint narrative:
XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX Student loans Total balance : {$16000.00} DEPT OF EDUCATION/XXXX XXXXXXXX {$9000.00} Balance updated XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX {$7800.00} Balance updated XX/XX/XXXX XXXX Total balance : {$490.00} XXXX XXXX XXXXXXXX Original creditor XXXXXXXX XXXX Balance {$490.00} Balance updated XXXX XXXX XXXX  Credit cards or credit lines Total balance : {$0.00} XXXX XXXX XXXX {$0.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$3300.00} Balance updated XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I formally filed for bankruptcy on XX/XX/XXXX, after filing I called multiple times letting Credit acceptance know that I filed bankruptcy. I was then told that they were able to see the bankruptcy and receive notification. They gave me a hard time but eventually stop trying to collect on the XXXX XXXX XXXX in the XXXXXXXX XXXX. I started I wanted to retain the property and redeem it for current property value, which was {$2400.00}. 

I received confirmation from the United States Bankruptcy Court of the Southern District of XXXX that you all were contacted via email about this bankruptcy. An email was sent to XXXX on XX/XX/XXXX at XXXX, which was the day I filed notifying them that I filed XXXX XXXX bankruptcy. Credit Acceptance was contacted again when I had a telephonic meeting to have a representative present on XX/XX/XXXX at XXXXXXXX XXXX and no one showed up. Again, Credit Acceptance was contacted at XXXX on XXXX XXXX XXXX XXXX of the dismissal and agreement. No one reached out to me. Then I received a letter dated for XXXX XXXX, XXXX of repossession.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
See previous complaint with CFPB XXXX My credit rating has dropped nearly 60 points due to erroneous or malicious errors on my credit profile. I had a complaint with XXXX XXXX Credit card, Who indicated they would have TransUnion correct a significant drop in my credit score. As of today my score is XXXX as opposed to XXXX. TransUnion must make this right immediately. My financial life has gone down hill due to this erroneous reporting. 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16 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: NY

Complaint narrative:
XX/XX/2023 i have noticed fraud accounts and inquiries these accounts and inquiries must be removed now account name : XXXX XXXX account # : XXXX date open : XXXX last date active : XXXX last payment date : XXXX incomplete account is ground for removal " fair cares act ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16 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: NY

Complaint narrative:
as of XXXX XXXX XXXX have notice fraud accounts n inquiries on my credit report ACCORDINGLY " FAIR CARES ACT '' LAW THESE FRAUD ACCOUNTS ETC MUST BE PERMANATLY AND INDEFINITLEY! 
list of fraud inquiries that must be removed. 
XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Credit Unions XXXX TransUnion XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16 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: DE

Complaint narrative:
In XXXX I filed complaint XXXX and XXXX in regarding to the inquiries listed on my credit report prior to XX/XX/2022. The listed companies responded with statements of removal on both my XXXX and Equifax accounts and to date as of XX/XX/XXXX, they are still on my credit report. They have not done as they said they would. I want all inquiries prior to XX/XX/2022 removed since I have already explained my reasons for the initial complaint filed. Please see that my complaint and request as the consumer is meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: V and H Portfolio
State: IL

Complaint narrative:
I have sent this company a letter requesting the proper information that shows I have a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, ...... has violated my rights 15 U.S.C 1681 sec 602 A ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting.

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 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX I DISPUTE A 30 DAYS LATE ON MONTH OF XX/XX/XXXX, THAT IS REPORTING ON MY CREDIT REPORT INACCURATE. I RECEIVED RESULTS STATING IT WAS VERIFED. I DISAGREE, IF YOU WOULD VIEW MY FULL CREDIT REPORT IN YOUR SYSTEM. YOU WILL FIND THAT I PAY ALL MY BILLS ON TIME. THERE IS NO OTHER MISSED PAYMENT REPORTING ON MY CREDIT REPORT. 

XXXX XXXX XXXX ACCOUNT XXXX XXXX I HAVE ALSO REACH OUT TO XXXX XXXX XXXX XXXX AS WELL. I HAD NO KNOWLEDGE NOR NOTICE OF THIS ACCOUNT WAS GOING TO BE REPORTING 30 DAYS LATE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
CARD WAS OPEN FRAUDULENTLY. I DID NOT OPEN THIS CARD. I AM A VICTIM OF IDENTITY THEFT. I HAVE TRIED SEVERAL TIMES WITH THIS COMPANY AND NOTHING HAS MOVED FORWARD. PLEASE REMOVED THIS FRAUDULENT ACCOUNT OFF ALL CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: MI

Complaint narrative:
I sent the credit Bureaus letters asking them to verify the debt on my report. they have sent it back stating that everything is verified correctly. My credit report is showing inaccuracies. 15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I reached out and placed a complaint with the cfpb about two or three weeks ago. About the fact that the credit reporting agencies failed to respond to numerous letter that had been sent. Ine sent on the XXXX and another on the XXXX XXXX  XXXX. Many letters were sent before that but these are the two I would like to focus on because these are the two I made complaints. About. The agencies are required to respond within 30 days and they did not in fact I made that co plaint to the cfpb and during the investigation time that's when they decided to send letters but their 30 day period to respond had already finished I would like the cfpb to require these agencies to remove my information since they have not been able to verify the necessary accounts listed under my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: NY

Complaint narrative:
as of XX/XX/2023 i have noticed fraudelent accounts and inquiries on my credit report account name : XXXX XXXX account # : XXXX open date : - date of last payment XXXX XXXX $

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: MI

Complaint narrative:
I sent the credit bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
discover home loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing my credit report I have noticed that my personal data has been compromised and 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 I have never received or requested any services from these companies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, CITIBANK, XXXX, FL. I opened the Citi Priority financial products Interest Checking and Citi Savings. 

On that occasion, our go-to banker at Citibank offered a cash bonus for the opening of our Citi checking accounts, in the amount of USD XXXX for maintaining a minimum deposit and balance of USD XXXX in our accounts, within 60 days after the date of opening the account, condition that I fulfilled and currently maintain. 

However, as of today XX/XX/XXXX, Citibank has not complied with payment the bonus cash.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ...... has violated my rights 15 U.S.C 1681 sec 602 A ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting.

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 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ...... has violated my rights 15 U.S.C 1681 sec 602 A ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting.

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 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/2022 Contacted SunTrust bank Sell of the home excess has not been discussed with 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 explanation
Consumer complaint received 2023-04-16 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: SC

Complaint narrative:
COMPANY XXXX IS REPORTING FRAUDULENT ACCOUNTS ONMY CREDIT REPORT. THIS COMPANY HAS BEEN INVOLVED IN MULTIPLE DATA BREACHES, CIVIL LAWSUITS, AND CLASS ACTION LAWSUITS. THIS COMPANY AGAIN IS REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. PLEASE REMOVE ALL ACCOUNTS AND UNAUTHORIZED INQUIRIES ON 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