vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-14 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: CA

Complaint narrative:
This is my formal complaint to EXPERIAN for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

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 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 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: UT

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account # XXXX Name of original agency : XXXX XXXX Name of collection agency : XXXX XXXX XXXX 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 an account without my written instructions.

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 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-07-15 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: LA

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$930.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX  Bankruptcy XXXX Date Filed/Reported 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 2023-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
Good afternoon! I would like to ask you please for your support in relation to a loan for vehicles with Honda Finance Services which last installment XXXX was already paid on XX/XX/XXXX. According to the contract ( account XXXX ) for a Honda XXXX XXXX, XXXX installments were established for the amount of XXXX, XXXX each. I have certain doubts because when I call to request explanations about a remaining balance of XXXX after did last pay, they told me that XXXX extensions are due, which were granted by them due to Hurricane Irma and XXXX XXXX. The fact is that I have requested the calculation of detailed interest accrued because it seems unusual to me and I consider the amount of XXXX so high and they only tell me that this is the balance of interest and to refer me to the contract. I see with concern that these extensions were promoted by them supposedly to support at critical moments and it turned out that the interest now is that they come to be informed and without detail. I see with concern being forced to pay the balance without any detail which was not offered either before the extension or after but now at the end for the closing of the credit I find myself with this surprise and that when I request the detail I am only given the full amount of interest. I would like help with this to obtain details and be sure that the debt is fair and what options are available to dispute such a high amount of interest and the way it is arrived. The concern is extended due to the fact that by not paying this balance due to doubts in relation to the amount, it will also continue to generate more interest, making the credit even more expensive. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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:
TRANSUNION IS REPORTING INACCURATE/INVALID INFORMATION ON MY CREDIT REPORT. I HAVE BROUGHT THIS TO THEIR ATTENTION REQUESTING IMMEDIATE REMOVAL IF INACCURATE INFORMATION FROM MY CREDIT REPORT BUT HAVE NOT REMOVED THE INFORMATION AND/OR 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 non-monetary relief
Consumer complaint received 2023-07-14 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: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
Santander consumer was involved in a class action lawsuit there was a judgement passed down violated the uniform commercial code under 28 u.s.c {$1400.00} ( a ) as a result of the lawsuit any detorgation has to be removed from the credit report also for unfair treatment for violating consumers rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I received a letter from ProCollect Inc. on XX/XX/XXXX, claiming that I owe a debt of {$16000.00} to XXXX XXXX XXXX. However, I don't owe any XXXXXXXX XXXX XXXX any debt and I never rented or stepped foot inside this business. 

Firstly, I find it troubling that the piece of mail serving as notification of this debt collection was not sent via certified mail. Its appearance resembled junk mail, making it easily overlooked or disregarded, especially since they only allow 30 days to dispute the debt. 

Additionally, during my email interaction with XXXX 's general manager last year in XX/XX/XXXX, it became evident that my signature on the lease agreement had been forged using an electronic signature. This is particularly concerning as the alleged signed lease agreement supposedly occurred during the time when I was traveling overseas. Logistically, it would have been impossible for me to sign the document with an XXXX or XXXX IP address. I would like to clarify that I only filled out an online application on their website to possibly live there and never signed a lease agreement with them. 

ProCollect, Inc. provided a move-out statement generated on XX/XX/XXXX to validate the debt and claim that I had made a {$100.00} deposit. However, after thoroughly reviewing my banking statements, I found no evidence of a {$100.00} withdrawal. I carefully examined each transaction last year and I am sure I never paid a deposit. Despite my explicit request for evidence to substantiate the deposit payment and signature, the debt collector has refused to provide any such validation. Instead, the collector threatened to report this debt to the credit bureau, emphasizing that it would negatively impact my credit history regardless of whether I choose to pay it or not. The collector is pursuing debt using forged documents since they couldnt prove the lease was signed by me. They simply told me it is their word against mine. 
Given the gravity of these concerns, I kindly request your assistance in addressing this matter promptly. Your expertise and guidance would be invaluable in ensuring a fair resolution to this situation. I am a XXXX XXXX and this issue is emotionally and mentally taxing for me. 
Thank you for your attention to this pressing issue.

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 2023-07-14 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: AL

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.

The letters are stated with items and issues.

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 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 inaccurate.

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 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: ID

Complaint narrative:
I received application denied from Discover Card. I never have applied for this card. The letter said contact Federal Trade Commission Identity Theft which is what Im doing. I have received 3 letters saying they have denied my application because they were unable to identify information. I have NEVER applied for this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I was a victim of identity theft it seems as though someone has used my information and has opened things in my name. I need these unauthorized items to be locked and removed from my credit report completely as it is hindering my life tremendously. I am mentally drained and hurt by this situation. Can you please help me immediately I am begging you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 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:
Transunion credit report reflect unknown charges with an unknown company that resulted in a significant negative impact on my FICO score lowering it from XXXX to XXXX. According to the report, a company named XXXX XXXX XXXX ( XXXX ) listed a " lease '' opened XX/XX/2023 with an original amount of {$4000.00}, {$1200.00} payment, with XXXX days current in arrears. 

On XX/XX/2023 I connected with Transunion to dispute the recording who disclosed to me that they could not share the XXXX account number with me and that I should call the merchant directly. On XX/XX/XXXX, I connected with XXXX who refused to look up the aforementioned data to determine legitimacy or correcting ownership unless I shared my social security number with them. I informed them that the account did not belong to me and that I refuse to share personal information surrounding a fraudulent account or transaction. Either the matter was obtained in error or the debt was obtained through identity theft. My identity must have been compromised. 

The numbers I called in an attempt to resolve this matter are : Transunion 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 2023-07-14 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: NV

Complaint narrative:
XXXX  consumer was involved in a class action lawsuit there was a judgement passed down violated the uniform commercial code under 28 u.s.c {$1400.00} ( a ) as a result of the lawsuit any detorgation has to be removed from the credit report also for unfair treatment for violating consumers rights

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I have tried calling multiple times to all three bureaus requesting a copy of credit report as I have a XXXX # therefore, I can not get it online. All three bureau continue saying it will take 7 business days for credit report to arrive in the mail. It's been a few months and nothing has come in from TranUnion and XXXX. I did get credit report from XXXX. I submitted copy of XXXX # along with XXXX XXXX XXXX and energy bill to verify identity as I was asked over the phone. I have not received anything even after mailing documents. TransUnion stated over the phone that my credit report comes up on their system under a social security # and the number that TransUnion has is not my XXXX # ( I do not have a social ) and that I need to send in documents proving that information transUnion is reporting is inaccurate. COPY of XXXX # and XXXX XXXX along with energy bill to verify identity. I have the right to a copy of my credit report and Im not being heard. 

Although I have received copy of credit report in XX/XX/ I would like to get an updated report from XXXX too.

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 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I recently obtained my credit report in the midst of trying to buy a home. Upon looking at my account I seen several Accounts that are not from me, and that were open fraudulently. These accounts include an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD Bank/target, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX and US Department accounts that are not from me, and that were open fraudulently. These accounts include in account from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TD Bank/target, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and US Department of education . I attempted to contact each of these creditors, and they were not willing to work with me in or delete any other accounts on my credit score. This is defamation to my character, and it has prevented me from moving into my dream home with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank
State: FL

Complaint narrative:
Called XXXX XXXX/First Progress on XX/XX/2023 to close my account. Representative assured my account will be closed immediately. I asked her when would my security deposit of {$1000.00} be returned, she replied " in about 10 weeks from today ''. I called on XX/XX/2023, spoke with XXXX to check the status of my security being mailed. Representative apologized an reported 1st rep closed my account but did not request for my security deposit to be returned to me. He explained he would surely have my security check mailed to me but it would take an additional 10 weeks. I kindly asked, with it being no fault of my own, can my security check be expedited. He explained he would place a request with " back office '' but i would have to call back for a determination. Called back on XX/XX/2023 spoke with XXXX. She explained in order to request they expedite my security check i would need to fax Name of Credit Card Company, my name, account #, that account was surely closed and the request to expedite my security deposit be returned. to ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have reached out to all three credit bureaus, regarding inaccuracies, and discrepancies, where that each reporting agency are reporting different accounts on my consumer report on some reports they are reporting so called collections account as open. Showing the same accounts twice. This is inaccurate reporting and needs to be removed which is not under FCRA compliance. This is damaging my consumer credit file. XXXX, is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION : IS REPORTING THIS SAME ACCOUNT XXXX XXXX XXXX : IS REPORTING XXXX XXXX XXXX XXXX ARE ALL CONNECTED WITH THE SAME COLLECTIONS AGENCY. I DID REACH TO THE COLLECTION AGENCY THEY DID INFORM ME THAT THESE ACCOUNTS WILL BE REMOVE FROM MY CONSUMER CREDIT REPORT. I HAVE THE PROOF TO SHOW 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 non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have reached out to all three credit bureaus, regarding inaccuracies, and discrepancies, where that each reporting agency are reporting different accounts on my consumer report on some reports they are reporting so called collections account as open. Showing the same accounts twice. This is inaccurate reporting and needs to be removed which is not under FCRA compliance. This is damaging my consumer credit file. XXXX, is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : IS REPORTING THIS SAME ACCOUNT BANK OF XXXXEXPERIAN : IS REPORTING XXXX XXXX XXXX XXXX  ARE ALL CONNECTED WITH THE SAME COLLECTIONS AGENCY. I DID REACH TO THE COLLECTION AGENCY THEY DID INFORM ME THAT THESE ACCOUNTS WILL BE REMOVE FROM MY CONSUMER CREDIT REPORT. I HAVE THE PROOF TO SHOW 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 2023-07-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company response to consumer: Closed with explanation