vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am formally lodging a complaint regarding multiple unauthorized and invalid hard inquiries on my credit report. I have never given these creditors permission to perform a hard pull on my credit file, and you have allowed these inquiries to be conducted without my explicit consent. This action is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2024-10-22 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax is breaking several federal laws by furnishing my consumer report with the following accounts. 

Account Number : XXXX XXXX Name Of Company : XXXX XXXX XXXX XXXX XXXX Dates Opened : XX/XX/XXXXXXXX  Account Number : XXXX XXXX Name Of Company : XXXX XXXX XXXX Dates Opened : XX/XX/XXXX ALL inquires need to be removed, they were NEVER authorized by me. Per 15 U.S, Code 1681b ( c ), a consumer reporting agency may not furnish a consumer report in connection with credit and insurance transactions that are not initiated by the consumer. There was no firm offer on credit or insurance in any of these inquires. These fraudulent unlawfully reported inquires are a result of identity theft that were not verified as required by law. 15 USC 1681b ( c ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax reporting this collection/Charge-Off, late payment/other derogatory information in my consumer report is in violation of 26 U.S.Code ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. These accounts are showing adverse information on my consumer report which is negatively affecting my credit score which violates 15 U.S. Code 1681c. Equifax is violating my rights by disclosing my nonpublic personal information to third parties per 15 U.S. Code 6802. ( 17 CFR Part 248.1. Equifax never received written instructions from me to furnish these negative accounts which violates my rights per 15 U.S. Code 1681b. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transaction and experiences between me and Equifax which violates my rights per 15 U.S. Code 1681a. 

I sent Equifax a letter requesting removal of these accounts and inquiries XX/XX/XXXXXXXX  and nothing as been done. My credit score and consumer report affect my livelihood and ability to obtain necessities. If these accounts/inquiries are not removed in the timeline set by federal law, then I will be suing next for every violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have submitted multiple disputes with Experian. I am the victim of XXXX XXXX. I have a victim determination letter. They said I needed one dated within 30 days. The Organization XXXX XXXX says that they are lying and that is not true. I applied for an apartment through a tenant screening company called XXXX. I have given XXXX all my documents. They submitted my dispute to Experian. Experian has emailed me with something that I cant view or download. Im unable to get a person on the phone. My account with Experian is blocked so I can file a dispute only by contacting them. XXXX  XXXX has put in a referral to pro bono law firms to take care of my Experian problem. XXXX has looked at my victim determination letter and said it is valid and legal.

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 2024-10-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I purchased a bracelet from XXXX XXXX and they or Acima never said it was a lease, my bank rejected a payment as a suspicious transaction and Acima charges XXXX for NSF, I contacted them and said sorry nothing we can do, tried to email proff of funds and all my emails for two consecutive days go to queued I explained to Acima customer service and said sorry nothing we can do over a phone call and cat bot. The piece I bought from XXXX was XXXX and it'll be in 1 year worth of payme ts XXXX plus and every payment there's an extra TAX charge, I asked customer service for this tax and they said it was a lease not a purchase and never disclosed interest rate nothing, it was time to close at XXXX XXXX and was still inside the store trying to make a payment to make the sale but never did they mentioned the merchandise was a lease. I told the customer service lady that this transaction was illegal she was ok but nothing she could do. 
So BEWARE OF ACIMA people XXXX will convert to XXXX in just a year and we used to complain about car dealers THIS PEOPLE ARE ADVANCE THIEVES

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Subject : Complaint Against Capital One Auto Finance for Settlement Agreement Handling I am filing this complaint regarding Capital One Auto Finances handling of a settlement offer for my XXXX XXXX XXXX XXXX XXXX. Capital One offered a settlement of {$25000.00} to satisfy the remaining balance on my auto loan. I accepted this offer verbally on a recorded call, submitted written acceptance via fax to XXXX ( receipt received ), and confirmed through their online feedback form. 

Despite these actions, Capital One refuses to provide written documentation of the settlement unless I make an immediate payment. This requirement for upfront payment before issuing written confirmation may violate Arizonas Statute of Frauds ( A.R.S. 44-101 ), which mandates written agreements for enforceability, and the duty of good faith under A.R.S. 47-1304. Additionally, their refusal to provide a direct email or fax number obstructs my ability to obtain the necessary documentation, potentially violating the Fair Debt Collection Practices Act ( FDCPA ). 

I request that Capital One honor the settlement agreement, provide written confirmation of the terms, and allow my dealer to send the agreed balance of {$25000.00}. This will ensure that the settlement is resolved fairly and according to the terms discussed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OK

Complaint narrative:
I have submitted in disputes after disputes with XXXX and nothing is getting done.. the date on the credit report is incorrect. The account is to old to be on credit report. Collection agency refuses to update with the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I have already filed a complaint a few weeks ago. Since I did that they are calling me even more. Its harassment they call me nonstop one time after another after another. They will call me all day long. When you answer the phone it is portfolios recovery. If you try to call the number back it says this number is disconnected. It is illegal to use spoofed numbers I have a list of the phone numbers they have called me off of just today in the past two hours. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these calls are from portfolio recovery all of them are not actually their phone numbers and they wont stop. They also use profanity and swear at me when I tell them to stop calling me. I want something done about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc.
State: NY

Complaint narrative:
I opened a kikoff to help build up my credit. After about 3 months or so I decided to close the account because I got a secured discover card and felt like that was good enough. Initially when signing up for the services I read everything, they most definitely advertised it as you being able to save money and build credit at the same time. They leave you with this impression that you pay a monthly fee to build you credit and at the end of the term - you get the money back. Basically the same concept as self credit reporting- which I also had and closed at the same time. I noticed self was already processing my money I paid in, yet kikoff was not. I decided to ask about it and now they are saying the account I signed up for was a different account ; and with that account you do not get the money back. The problem is that is definitely not the impression and what was stated upon signing up. Its like they reel you in with that concept and then things are switched after. Or they do have two accounts but are not being transparent about the differences between both accounts; only advertising the one which you get your money back. Upon signing up it looks like the concept is the same and the only difference is the amount you can pay each month. Like you can pay XXXX dollars or XXXX dollars but you still get your money back. I never came across anything while signing up that stated one account gets your money back and the other doesnt. Trust me.. I would have never signed up for it if I knew I was not getting the money back. The idea of saving and building credit is what appealed to me. 

This company seriously needs to be investigated. There is something very very wrong and shady going on. Even if I dont get my money back .. something has to be done, they are frauds and if you look online and do research there are a bunch of other people with the same experience, yet those people probably dont know they can report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: MI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting 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:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
I am submitting this complaint against Transunion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I checked my credit report and discovered discrepancies in the following accounts : XXXX XXXX XXXX ( account number : XXXX ) XXXXXXXX XXXX XXXX XXXX ( account number : XXXX ) XXXX  XXXX XXXX  ( account number : XXXX ) XXXX XXXX  ( account number : XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. 
I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Transunion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

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 2024-10-22 00:00:00
Product: Credit reporting 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:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
I am submitting this complaint against Transunion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I checked my credit report and discovered discrepancies in the following accounts : XXXX XXXX XXXX ( account number : XXXX ) XXXX XXXX XXXX XXXX ( account number : XXXX ) XXXX XXXX XXXX ( account number : XXXX ) XXXX XXXX ( account number : XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. 
I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 
4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Transunion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

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 2024-10-22 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: CA

Complaint narrative:
I am asking for your assistance with the incorrect account being shown on my credit report. This issue has harmed my reputation as a customer, and I need your help. These accounts should be removed since they are reported inaccurately and negatively.

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 2024-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Step one : I won money from online Sports contest I choose XXXX as my payout method Step two : I went to XXXX XXXX XXXX type in XXXX. XXXX popped up. So I downloaded app & made my account. Maybe I didnt set it up the right way. 

Step three : I hit the receive button, copied the XXXX link and sent it to the contest provider, Step four : the provider sent the money VIA XXXX XXXX have proof there nowhere to send image on here but can provide ) Step five : confirmation that this wallet exists ( also have proof there nowhere to send image on here but can provide ) Step 6. I will Admit that have only have this app for about XXXX hours. So, I dont think XXXX setup the XXXX word the right way. 

Bottom line is the provider sent the money to that wallet because I sent them the link to that wallet. and there is confirmation that the payment went through.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was in a accident on XX/XX/XXXX. I had a loan financed though XXXX XXXX XXXX XXXX  which was declared a total loss by the insurance company. 

On XX/XX/XXXX I received a letter from XXXX XXXX ( attached ) stating that my account was paid in full. Today XX/XX/XXXX my credit dropped drastically because XXXX XXXX reported that I missed 9 months of payments from XX/XX/XXXX until XX/XX/XXXX. 

I have not had the vehicle since XXXX. I have not made a payment since the car was wrecked because I was informed by XXXX XXXX XXXX XXXX that I had a XXXX balance. I contacted the company and they are telling me that I have to pay them or they won't update me credit score. I never made a late payment during the life of the loan. In addition, XXXX XXXX gave me another car loan in XXXX. If I had a balance from XXXX  why did they extend me additional credit? 

In addition, I am the owner of three XXXX XXXX XXXX XXXX. I am also pre approved for another car loan through them. 

This company informed me in writing I did not owe them anything and my loan was satisfied. Now that I am in the process of purchasing a home they purposely dinged my credit without notice. I feel as though they are targeting me for money I do not owe.

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